Finance Tools

Ria Exchange Rate Markup Calculator

Estimate Ria exchange rate markup by comparing the offered rate to the mid-market rate and calculating the hidden FX cost.

This estimates Ria exchange-rate markup by comparing the offered rate to the mid-market rate. FX markup is often the largest hidden cost in international transfers.

Enter rates as: 1 USD → receiving currency units (e.g., 1 USD = 0.965 EUR).

Reference rate (often shown by Google / FX sites).

The exchange rate shown by Ria for your transfer.

Exchange Rate Markup: 3.63%

Hidden FX Cost (USD): $35.00 (Value loss vs mid: 3.50%)

MetricValue
Receive at mid-market1000.000000
Receive at offered rate965.000000
Difference (receiving currency)35.000000
Hidden cost (USD)$35.00

Tip: Total transfer cost = explicit fees + hidden FX cost. Pair this with a “charges” calculator for full all-in cost.

How to use this ria exchange rate markup calculator

  1. Enter the amount you are converting/sending.
  2. Enter the mid-market exchange rate.
  3. Enter the Ria offered exchange rate.
  4. Calculate the markup percentage and hidden FX cost.
  5. Use results to compare with other providers.

Example

If mid-market is 1 USD = 1.0000 and Ria offers 0.9650:

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