Rate Comparison

Compare mid-market rates vs typical bank and service markups. See how much you could save.

Amount

Base Currency

Mid-Market Rate

0% markup

Online Transfer (Wise, etc.)

~0.5% markup

Credit Card

~2% markup

Bank Wire Transfer

~3% markup

Airport Exchange

~5% markup

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* Markups are typical estimates. Actual fees vary by provider, country, and transaction size. "You Lose" column shows difference between mid-market and airport exchange.

Tips to Save on Exchange Rates

Use online transfer services

Services like Wise, Revolut, or Remitly offer rates close to mid-market with low fees.

Avoid airport exchanges

Airport kiosks typically charge 5-10% markup. Exchange money before you travel.

Pay in local currency abroad

When your card asks 'pay in local or home currency', always choose local to avoid DCC markup.

Get a no-FX-fee card

Travel credit cards with zero foreign transaction fees save 2-3% on every purchase abroad.