Currency converter: at the rate you actually getFold in the rate your bank or card shows and any FX markup, and see what a foreign-currency purchase really costs in your home currency
Here's the answer up front: the real home-currency cost of a foreign purchase is foreign amount × the rate you see × (1 + FX markup%). This converter calls no live rate feed and never guesses "what today's rate should be". You type in the rate you saw on your bank page, card statement or checkout screen, and the tool just adds the markup cleanly, so you can see how far the "headline rate" sits from what actually lands.
Teaching estimate; go by what the provider's page shows
How to use it / where to look
The whole value here is in where your rate comes from. Put the wrong number in the wrong box and the result follows. Here's where to find the three numbers:
- Foreign amount. The original price on the checkout page, such as USD 100 or EUR 39. Type the number only; no currency symbol needed.
- The rate you see. Enter "1 unit of foreign currency equals how much home currency". You'll find it on your bank app's conversion screen, in the statement's conversion column, or in a checkout "approx." note. Different channels show different rates; whichever you type is the one it uses.
- FX markup %. Many cards add a currency-conversion fee on top of the rate (often called an FX fee or cross-border fee). If you know the percentage, enter it, for example 1.5 for 1.5; if you have no idea, leave it blank and the tool does the rate part only.
To see where a card gets expensive, take the same amount and run it once for each channel's rate, then line up the "markup-included total". The gap jumps out. That beats memorising some average rate, because what you actually pay is your channel's tier, not the market mid-rate.
Register on Binance with code BN881
Once you've worked out what a foreign purchase truly costs, if you want to sidestep the bank and card-network FX markup, paying with stablecoin is one route: convert cash into USDT on Binance first. Enter referral code BN881 at sign-up for up to 20% off trading fees*.
BN881
Copied
*Registering through our code doesn't cost you more. This is an independent education site, not Binance's official page; for education only, not investment, tax or legal advice.
Questions people ask
- Why not just pull today's live rate for me?
- Because what you're actually charged is never the market mid-rate; it's the tier your bank or card gives you, usually with its markup already baked in. A tool that guesses a "live" value would only mislead you. Typing the number you see on the page is what makes the result your real cost.
- I don't know the FX markup. What do I put?
- Leave it blank and the tool uses the rate alone. To find the exact figure, check your card's fee terms or the "currency conversion fee / cross-border fee" line on your statement; cards vary a lot, so don't borrow someone else's number.
- Can I treat the result as the exact amount I'll be charged?
- No; it's a teaching estimate. The real posting also depends on the settlement-date rate, any merchant dynamic currency conversion (DCC), rounding and more. Go by your issuer's statement and the merchant's checkout page; this tool only helps you understand the make-up.
Note: this tool fetches no rates online and stores none of what you type; the whole calculation runs locally in your browser. Rate and markup are your input, and the result is a directional estimate meant to show cost make-up, not any institution's live quote or a promise. Updated 2026-06-22.