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
Enter today's rate
Typical: 0.5–3.0%
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 |
Overview & methodology
What is a multi-currency invoice calculator?
A multi-currency invoice calculator helps traders understand the true net proceeds or cost of a foreign-currency transaction. In 2026, it accounts for mid-market FX rates, bank spreads (typically 0.5%–3.0%), and per-transaction wire fees to derive the effective settlement rate.
Numerical Example: Export Payment Settlement
The bank spread is often the largest hidden cost in international trade payments.
Invoice Amount$100,000
Mid-Market Rate0.9200
Bank Spread (1.5%)€1,380
Wire Fee€25
Net EUR Received€90,595
Source: BIS - FX Market Structure and SettlementsOfficial Resource
Last reviewed: August 2026
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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