Pricing
Multi-Currency Invoice Calculator
See what a foreign-currency invoice actually settles for after your bank's FX spread and per-transaction fee - the difference between the mid-market rate and the bank's rate is often the biggest hidden cost in cross-border trade.
FXPayments
Reviewed against UCP 600 · Incoterms 2020 · WCO HSLast reviewed July 2026
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Net proceeds
€90,595.00
Effective rate 0.905950
Bank rate
0.906200
Mid 0.920000 · spread 1.5%
Total FX cost
€1,405.00
1.53% of mid-market value
| Invoice | $100,000.00 |
| At mid-market | €92,000.00 |
| − Spread cost | €1,380.00 |
| − Wire fee | €25.00 |
| = Net proceeds | €90,595.00 |
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Overview & methodology
The hidden cost is the spread
The wire fee is the visible line item, but the FX spread - the gap between the mid-market rate and the bank's dealing rate - is usually 2–5× larger. On a $100,000 invoice, a 1.5% spread is $1,500 that never appears as a fee on the statement.
Frequently asked questions
How do I calculate the hidden FX spread on an invoice?
Compare the bank's applied rate to the interbank mid-rate at the same timestamp: spread (%) = (applied_rate − mid) / mid × 100. On EM currencies, spreads of 1–3% are common; on majors, 0.3–0.8% at competitive banks.
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