What will that spend actually cost in euros?
Enter a mid-market rate from your bank app or a rate site, then add the markup and fees on your card, ATM and cash desk. TripUtils does not fetch live exchange rates.
Example: if €1 buys 38 THB, enter 38. Copy this from a rate site or your banking app.
Use the fees from your own card contract. A 0% travel card still needs a mid-market rate. This is not a ranking of banks or apps.
Common questions
Why don’t you show a live euro rate?
Live rates change by the minute and depend on the provider. Enter the mid-market figure you see today so the comparison stays honest.
Is Dynamic Currency Conversion included?
No. If a terminal offers to charge you in euros, refuse it and pay in local currency. DCC is a separate markup this calculator does not model.
Which method should I use?
The lowest total from the fees you entered. A travel card with 0% FX often beats airport cash desks; a high ATM fee can reverse that for small withdrawals.