Currency Converter
Live mid-market rates · 30+ currencies.
Last updated: January 2025 · Built for the 2024–25 financial year
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Results
Results are estimates only. For financial advice, consult a licensed adviser.
Overview
Live cross-currency conversion
Foreign-exchange rates are quoted as the price of one currency in terms of another. The mid-market rate (interbank) is what you see on Google and XE; the rate you actually get always includes a spread and sometimes a transfer fee.
Banks typically charge 3-5% spread on retail FX. Specialist providers like Wise, OFX and CurrencyFair charge 0.4-1%. For amounts above $5,000 the saving easily covers a year of streaming subscriptions.
Formula
Cross rate
rate(A → B) = price_in_USD(B) / price_in_USD(A) converted = amount × rate(A → B) × (1 − spread)
Where the spread hides
| Factor | Detail |
|---|---|
| Bank credit card overseas | 1-3% FX + 1-3% transaction fee. |
| ATM withdrawals abroad | Bank FX + $5 ATM fee + dynamic-currency-conversion trap. |
| Travel cards | Lock-in rates with 1-2% load fee. |
| International wires | $15-30 SWIFT fee + correspondent bank fees. |
Pro tips
- •Always pay in local currency — never accept 'pay in AUD' overseas.
- •Wise and Revolut are the cheapest for under $20k transfers.
- •Lock rates with forward contracts for known future spend.