Card vs cash rates (why they differ)
- Cards: final settlement rate can differ from the on-screen rate
- Cash: exchange fees and spreads affect your effective rate
Tips to reduce error
- Use a rate close to your purchase date
- Compare scenarios for large purchases
FAQ
Which exchange rate should I use?
Rates can differ by payment method (card vs cash). Use a reasonable estimate.
Will my estimate be exact?
Not always—fees and actual settlement rate can cause differences.
Which date’s rate should I use?
Using the rate around your purchase date usually reduces error.