Finance Tools

Cross-Border Payment Exchange Rate Calculator

Estimate the true cost of a cross-border payment using an exchange rate plus a provider markup and optional fixed fee. Compare offered vs market rate outcomes.

Cross-Border Payment Exchange Rate Calculator

Estimate the true cost of a cross-border payment when a provider applies a markup to the exchange rate and may charge a fixed fee.

Quote currency per 1 base currency. Example: 1 USD = 1470 KRW → enter 1470.
Markup is modeled as a worse exchange rate for you (offered rate = market × (1 − markup%)).
Enter a fixed fee in the quote currency (e.g., KRW). Leave blank for 0.

How it works

This tool starts with a market (mid) rate, applies a provider markup to model a worse offered rate, then compares the quote-currency outcome against the market-rate outcome. An optional fixed fee in the quote currency is added to estimate all-in cost.

FAQ

Is this the same as a remittance calculator?
Not exactly. This focuses on cross-border payments with a provider markup and optional fixed fee, which is common in international card payments, invoicing, and business settlements.

What if my provider quotes the offered rate directly?
Set markup to 0% and treat the offered rate as the market rate, or use your best estimate for the mid rate and markup difference.

How to use this cross-border payment exchange rate calculator

  1. Enter the market (mid) exchange rate.
  2. Enter the provider markup (%) applied to the rate.
  3. Enter the payment amount in base currency.
  4. Optionally add a fixed fee, then calculate the true cost difference.

Example

If market rate is 1470 and the provider adds a 1% markup on a $10,000 payment:

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