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Dynamic Currency Conversion (DCC) Markup Calculator

Pay in local or home currency? See the hidden markup in the rate you were offered abroad.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Compare the DCC offer with the mid-market rate plus your card’s own foreign fee. Choosing the local currency is usually cheaper.

How to use it (step by step)

  1. 1Fill in the boxes: “Price in local currency”, “DCC offer in your currency”, “Mid-market rate (your currency per 1 unit)”, “Your card’s foreign fee (%)”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Exchange rate
How much one currency is worth in another. Mid-market is the “middle” rate before banks add their margin.
DCC
When a shop abroad offers to charge you in your own currency. It is usually more expensive than paying in local currency.
Percentage
A part out of 100. 25% of 200 = 50.

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