Australia Exchange Fee Calculator

Received = (amount − commission − fixed fees) × mid-market rate × (1 − spread) Exchange costs arrive in three forms: a widened rate, a percentage commission and a per-transaction fee. Because the fixed fee repeats on every withdrawal, taking out money in small amounts is what usually dominates the total.

Providers advertising "zero commission" recover it in the spread, so only the effective rate — what you received divided by what you handed over — is comparable.

This calculator takes 6 inputs: Amount to exchange, home currency, Mid-market rate to AUD, Provider spread over mid-market, Commission charged, Fixed or ATM fee, Number of withdrawals or transactions. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.