The real cost of converting money depends on the quoted rate, spread, bank fee and payment method.
Understand the displayed rate
Check the direction of the currency pair and whether the figure is a mid-market, buy or sell rate.
Bank and card conversion
A card network and bank may both affect the final value. Foreign transaction fees or additional margins may apply.
Dynamic currency conversion
A terminal or ATM may offer to charge in your home currency. Review the rate before accepting and compare it with local-currency payment.
Leave a buffer
Exchange-rate movements and fees can make the final amount higher than an early estimate.
💡 BudTrip tip: Use conversion for planning, then update the recorded expense when the final card amount appears.
Related guides:
- Card or cash abroad?
- World currencies guide
- How to estimate travel costs
