International money

Credit card foreign transaction calculator

The purchase is converted first. The percentage is then added to that billing amount. A zero percentage means conversion only. You can type a card rate if the issuer did not use the mid-market rate, and a merchant total if a terminal offered to charge you in your billing currency. This page does not know your card number or your issuer’s fee.

Amount

Purchase amountPurchase currencyBilling currency

Fees you enter

Leave these blank or zero for a mid-market calculation with no added fee. These numbers are yours. They are not a provider tariff.

Foreign-transaction fee percentCard rate (billing currency per 1 purchase unit)Merchant billing total, if offered

Questions

How is the foreign-transaction fee applied?

The purchase is converted first. The percentage is then added to that billing amount.

What is the merchant total field?

If a terminal offers to charge you in your billing currency, type that total. The page compares it with the card conversion. It does not look up the terminal.