Currency Converter with FX Spread
Convert amount using your rate or mid-rate with an optional bank spread markup — see how much hidden margin costs.
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Indicative FX math only
Enter your own quote or mid-rate. Banks and cards embed spreads, fees, and timing risk. This page is for education, not live trading or remittance advice.
Quote
Mid-rate vs marked-up retail
We apply a percent markup to the mid rate to mimic a dealer spread. Advanced mode can add a flat fee (not yet subtracted from the headline — see metrics).
Advanced mode
Track a flat fee separately from spread markup.
Results
Converted amounts
At mid rate
305,000.00
After spread (no flat fee)
308,660.00
Retail FX (incl. markup)
308.6600
Implied spread cost
3,660.00
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Perspective
Retail FX is rarely mid-market
Banks and kiosks often embed margin in the quoted rate rather than a separate fee.
Comparing effective rates reveals the true cost.
FAQ
Common questions
Where do I get mid rate?
Use a reputable reference rate or your provider’s disclosed interbank quote for illustration.
Is this live trading data?
No. You supply the rate.
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