The rate on the screen.
The rate on the statement.

Convert with dated reference rates, then add a card fee or compare a dynamic currency conversion offer.

About the reference rate

Reference rates come from Frankfurter, which aggregates central-bank and official reference data. Each currency has its own observation date, shown with the result. They are a benchmark, not the rate your card network, a cash desk, customs or a refund operator will use.

Paying in your own currency

Dynamic currency conversion lets a terminal charge you in your home currency at a rate the provider sets. The markup is the gap between that rate and the reference rate. You can decline and pay in the local currency. Read whether to pay in local or home currency, how card fees work and reference vs card rates.

Common questions

Why does my statement differ from this result?

Card networks use their own daily rate, and your issuer may add a fee. Reference rates are a benchmark with a date, not a quote.

Should I pay in my home currency when asked?

Compare the offered rate with the reference rate first. The difference is the markup you would pay for the conversion.

How current are the rates?

Each currency shows its own observation date next to the result. Rates are refreshed daily when the source publishes.

Other tools.

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The rate on the screen.
The rate on the statement.

About the reference rate

Paying in your own currency

Common questions

Read more.

Pay in local currency or home currency: how DCC markups work

Foreign transaction fees explained, including on refunds

Reference rate vs card rate: what you actually pay abroad

Other tools.

Help improve the tools?

The rate on the screen.The rate on the statement.

About the reference rate

Paying in your own currency

Common questions

Read more.

Pay in local currency or home currency: how DCC markups work

Foreign transaction fees explained, including on refunds

Reference rate vs card rate: what you actually pay abroad

Other tools.

The rate on the screen.
The rate on the statement.