Travel Tools

Currency Cash vs Card Fee Calculator

Enter an amount along with your cash exchange fee and card's foreign transaction fee to see which option costs less.

Cash fee

$30.00

Card fee

$20.00

Card is cheaper by $10.00

Compares a percentage-based cash exchange fee against a card's foreign transaction percentage plus any flat ATM withdrawal fee, so you can see which option costs less for a given amount.

How to use this tool

  1. 1Enter the amount you plan to exchange or spend.
  2. 2Enter your cash exchange fee percentage.
  3. 3Enter your card's foreign transaction fee percentage and any flat ATM fee.
  4. 4See which option is cheaper and by how much.

Frequently asked questions

Does this account for exchange rate markup?+

It only compares the fee percentages and flat fees you enter — currency exchange counters and ATMs can also apply an unfavorable exchange rate on top of stated fees, so compare the actual rate offered too.

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