Convert EUR to US dollars and see how much of the mid-market rate a provider keeps as spread and fees.
Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate. Sending money from or to Germany. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
Germany to USD
Received = amount × rate × (1 − margin) − fixed fee
Received = amount × rate × (1 − margin) − fixed fee Providers rarely charge an explicit commission; they widen the spread instead. Applying the margin to the mid-market rate and subtracting any fixed fee gives the amount that actually lands, and dividing that back by the amount sent gives the effective rate.
Sending money from or to Germany. Comparing providers on the advertised rate is misleading — the effective rate after spread and fees is the only figure that determines what the recipient gets.
This calculator takes 4 inputs: Amount in EUR, Exchange rate (1 EUR to USD), Provider margin over mid-market rate, Fixed transfer 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.
In Germany, a comma marks the decimal and a full stop groups thousands.
Results on this page are expressed in EUR (Euro). Figures are estimates for general planning — confirm current rates and thresholds with the relevant Germany authority before relying on them.