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.
| Invoice | $100,000.00 |
| At mid-market | €92,000.00 |
| − Spread cost | €1,380.00 |
| − Wire fee | €25.00 |
| = Net proceeds | €90,595.00 |
Overview & methodology
Numerical Example: Export Payment Settlement
The bank spread is often the largest hidden cost in international trade payments.
Method note: calculations run in your browser using the formulas and published rule books cited on this page. Results are free estimates for planning, with no login required, and should be confirmed with your bank, broker or the official source before you commit.
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.