Compare Exchange Rates
See exactly how much you lose to bank markups. Compare mid-market rates against what banks, Wise, Revolut, and PayPal actually give you.
Rates shown are mid-market (interbank) rates. Actual rates may vary slightly by time and amount.
| Provider | Type | FX Markup | Fees | You Receive | Cost | |
|---|---|---|---|---|---|---|
|
R
Revolut Best
Mid-market rate during weekdays (standard plan). 1% markup o…
|
Neobank | 0% | Free on weekdays | 869.01 EUR | — | Go → |
|
CF
CurrencyFair
Peer-to-peer marketplace rates. Often better than bank rates…
|
FX Specialist | +0.35% | ~0.35–0.5% | 865.97 EUR | — | Go → |
|
OF
OFX
No transfer fees. Rates negotiable for large amounts over $1…
|
FX Specialist | +0.75% | ~0.75% | 862.49 EUR |
−6.52 EUR 0.8% markup
|
Go → |
|
W
Wise Top Pick
Mid-market rate + small variable fee. Best for international…
|
Transfer | +0.45% | ~0.4–1% | 861.20 EUR |
−7.80 EUR 0.9% markup
|
Go → |
|
XE
XE
FX specialist with transparent rates. Good for large transfe…
|
FX Specialist | +0.50% | ~0.5% | 860.34 EUR |
−8.67 EUR 1.0% markup
|
Go → |
|
RM
Remitly Top Pick
Competitive rates for international remittances with fast de…
|
Transfer | +1.20% | 1–2% | 858.58 EUR |
−10.43 EUR 1.2% markup
|
Go → |
|
WU
Western Union Top Pick
Global reach but higher markup vs fintechs. Fees vary by met…
|
Transfer | +2.50% | ~2.5% + fees | 843.05 EUR |
−25.96 EUR 3.0% markup
|
Go → |
|
CI
Citibank
Global bank with strong international network. Better rates …
|
Bank | +3.00% | ~3% | 842.94 EUR |
−26.07 EUR 3.0% markup
|
Go → |
|
BN
BNP Paribas
French major bank, strong in Euro zone. Competitive for EUR …
|
Bank | +3.00% | ~3% | 842.94 EUR |
−26.07 EUR 3.0% markup
|
Go → |
|
BA
Barclays
UK retail bank. FX markup varies by account type and amount.…
|
Bank | +3.20% | ~3.2% | 841.20 EUR |
−27.81 EUR 3.2% markup
|
Go → |
|
SG
Société Générale
French retail bank. Standard EU bank FX pricing.…
|
Bank | +3.20% | ~3.2% | 841.20 EUR |
−27.81 EUR 3.2% markup
|
Go → |
|
HS
HSBC
Major international bank. Competitive for large transfers; b…
|
Bank | +3.50% | ~3.5% | 838.59 EUR |
−30.42 EUR 3.5% markup
|
Go → |
|
CH
Chase
US major bank. Wire transfers carry additional flat fee on t…
|
Bank | +3.50% | ~3.5% + $5 | 834.40 EUR |
−34.61 EUR 4.0% markup
|
Go → |
|
WF
Wells Fargo
US retail bank. International wire fees and spreads among th…
|
Bank | +4.00% | ~4% | 834.25 EUR |
−34.76 EUR 4.0% markup
|
Go → |
|
PP
PayPal Top Pick
3–4% above mid-market for most currency conversions. Conveni…
|
Transfer | +3.00% | ~3–4% | 817.65 EUR |
−51.36 EUR 5.9% markup
|
Go → |
How exchange rate markups work
The mid-market rate
The mid-market (or interbank) rate is the "real" exchange rate — the midpoint between buy and sell prices on global currency markets. It's what you see on Google or Reuters.
What banks charge
Banks add a markup of 2–4% on top of the mid-market rate, often without showing it. On a $1,000 transfer at 3% markup, you silently lose $30 before any transfer fees.
Better alternatives
Services like Wise and Revolut use the mid-market rate and charge a small transparent fee (0–1%). For large transfers, the savings vs a bank can be significant.
Important disclaimer
Markups shown are typical estimates. Actual rates vary by amount, account type, time of day, and currency pair. Always check the live rate before transferring.