How it works
Home-currency cost = foreign amount × rate × (1 + spread) × (1 + foreign transaction fee) + fixed fee.
Input definitions
- Foreign-currency purchase
- Enter the value in the labeled unit.
- Home currency per foreign unit
- Enter the value in the labeled unit.
- Exchange-rate spread (%)
- Enter the value in the labeled unit.
- Foreign transaction fee (%)
- Enter the value in the labeled unit.
- Fixed card fee
- Enter the value in the labeled unit.
A worked example
- Foreign-currency purchase
- 500
- Home currency per foreign unit
- 1.1
- Exchange-rate spread (%)
- 1
- Foreign transaction fee (%)
- 3
- Fixed card fee
- 0
Assumptions & limits
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-19. Content checked against the stated method and examples. Our verification approach.
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Common questions
Why separate exchange spread and card fee?
The conversion rate can include a markup, while the issuer may add a separate percentage fee.
How does Foreign card purchase total cost calculate the result?
Home-currency cost = foreign amount × rate × (1 + spread) × (1 + foreign transaction fee) + fixed fee.
What should I verify before using Foreign card purchase total cost?
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.