Visible fee
The separate charge shown by the provider, entered in the source currency.
Free FX quote checker
Is that exchange rate actually good?
Paste the numbers from any foreign-exchange quote. We compare the offered outcome with a current mid-market reference and separate the visible fee, quoted-rate difference, other recipient gaps and estimated total cost.
Current reference rateNo provider loginNo ranking changes
Current reference
1 USD = 0.863148 EUR
Wise API mid-market rate · checked 00:55 UTC
Add the provider's rate or the final recipient amount to reveal the visible fee, rate difference, and estimated total cost separately.
Wise's API mid-market rate is attempted first; the fallback reference may be cached for up to one hour. Neither is an executable market price. This checker assumes the visible fee is denominated in USD. It does not automatically include card-funding charges, correspondent-bank deductions, taxes, or fees that are absent from the quote.
Read the result
One quote, four useful numbers
A low advertised fee can hide an expensive exchange rate. The checker keeps each part separate before adding them into one comparable all-in figure.
Rate difference
The source-currency effect of the quoted rate, or the implied outcome rate when no rate is shown.
Other recipient gap
When rate and recipient amount disagree, the unexplained difference is kept separate instead of being called markup.
Total cost
The visible fee, rate difference and any other recipient gap, shown in source currency and as a percentage.
Methodology
How the quote check is calculated
If the fee is deducted, the amount converted is the send amount minus the fee. If it is added on top, the full send amount is converted and the fee increases your total outlay.
When only a recipient amount is available, the implied outcome rate is recipient amount divided by the amount converted. That difference can include markup or an unitemized charge, so it is not labelled as proven FX markup.
If you enter both a rate and recipient amount, the quoted rate is compared with the reference first. Any remaining mismatch in the recipient outcome is shown separately instead of being assigned to the rate.
Quoted-rate difference % = 1 − quoted rate ÷ reference rate
Other recipient gap = expected recipient at quoted rate − entered recipient amount
Total cost = visible fee + rate difference + other recipient gap
Important limits
What this result does not prove
- A reference rate is a comparison point, not a price you are guaranteed to get.
- The checker assumes the visible fee is in the currency you send.
- Add any charges from your bank, card provider, taxes or other banks involved if the quote omits them.
- A quote can expire, and the rate may move before you confirm the transaction.
- Whether the provider supports your transfer, how you pay, how the money arrives, limits and speed are not assessed here.
For provider estimates and product differences, use the full comparison tool. Read the site methodology for how reference rates and provider models are handled.
Exchange-rate quote checker FAQ
What if the provider only shows the recipient amount?
Enter the send amount, visible fee and recipient amount. The checker divides the recipient amount by the amount actually converted to calculate the implied exchange rate.
Does a zero-fee quote mean the exchange is free?
No. A provider can charge nothing separately and still use an exchange rate below the mid-market reference. The difference in the rate is an FX markup and can be larger than a visible fee.
Why can a quote appear better than the mid-market rate?
Reference rates are indicative and may be cached, while executable prices move. Promotions, rounding, a reversed rate direction, an omitted charge or an incorrectly entered fee can also produce an apparent advantage. Confirm the final amount before paying.
Last reviewed: 16 August 2026