Card Foreign Exchange Cost
Find a card's converted amount plus foreign exchange fee.
About Card Foreign Exchange Cost
The exchange rate converts the spend, then the foreign-exchange fee adds a percentage to that converted amount. Card fees apply to the converted amount, so a small percentage grows significant on large international purchases.
Formula
Card Foreign Exchange Cost
Charged = spend x rate x (1 + fee%)
- FX fee
- Percentage a card adds on top of the exchange rate
Worked example
With the default values below, Card Foreign Exchange Cost returns Total Charged of $1,173.00. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Spend (foreign)minimum 0
- 1,000
- Exchange rateminimum 0
- 1.15
- FX feeaccepts 0–10 %
- 2 %
Results
- Converted Amount
- $1,150.00
- FX Fee
- $23.00
- Total Charged
- $1,173.00
- Effective Rate
- 1.1730
Step by step
- 1Values used
- 2Card Foreign Exchange Cost
- 3Total Charged= 1,173.00
- 4Converted Amount= 1,150.00
- 5FX Fee= 23.00
- 6Effective Rate= 1.1730
Assumptions and limits
- The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
- In particular, this calculator does not take inflation, tax or compounding frequency into account.
- Figures are rounded for display to 4 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.
Frequently Asked Questions
How is Card Foreign Exchange Cost calculated?
Charged = spend x rate x (1 + fee%) The exchange rate converts the spend, then the foreign-exchange fee adds a percentage to that converted amount.
Why does Card Foreign Exchange Cost matter?
Card fees apply to the converted amount, so a small percentage grows significant on large international purchases.
What values do I need to enter?
This calculator takes 3 inputs: Spend (foreign), Exchange rate, FX fee. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.