The advertised fee is rarely where the money goes. Most of the cost sits in the gap between the market rate and the rate you are given, and that gap is invisible unless you subtract it.
Currency exchange margin calculator
What a bank or platform really takes on a currency conversion, spread included.
Total cost of the conversion
CHF 325.00
Hidden spread
2.7%
You receive
CHF 10,675.00
At the market rate
CHF 11,000.00
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So funktioniert es
- 1Take the market rate from a neutral source, the same minute.
- 2Take the rate actually applied from the confirmation.
- 3Add the stated transfer fee.
Für wen es gedacht ist
- •Invoicing a client abroad
- •Comparing a bank with a transfer service
- •Deciding which currency to invoice in
Profi-Tipps
- A service with zero fees and a two percent spread is more expensive than one with a fee and a fair rate.
- Invoicing in your own currency moves the cost to the client. Say so before the contract, not after.
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