When you run money through a converter, the exchange rate looks simple. But what you actually pay at checkout can be much higher because of hidden bank fees.

Common hidden costs

• FX markup: Banks quietly add a spread to the real market rate.
• Flat service charges: Small but add up if you convert often.
• Foreign transaction fees: Most U.S. cards add ~3% to every international purchase.

Why it matters

If the live rate shows $100 → €90, you might actually be charged €87 after fees. That 3% loss goes straight to your bank, not your purchase.

How to protect yourself

• Use our converter as your clean baseline.
• Compare your provider’s rates against the baseline.
• Choose no-FX-fee cards and transparent online transfer services.

Bottom line: The right tools plus awareness of hidden fees can save you 3–5% on every international transaction.