Tally Hidden Currency Exchange Fees Against Interbank Rates — Free
Card issuers and kiosks hide conversion markups in retail exchange rates. Compare your actual billed charges against the interbank benchmark rate to isolate hidden markup drag.
The proof surface
Travel calculators convert currencies at mid-market rates. This calculates the exact dollar markup buried in retail currency conversions for every transaction you log.
Why the flat version breaks
Ignoring conversion markups
Focusing only on advertised zero-fee claims while paying a padded exchange rate.
Mixing transaction dates
Exchange rates fluctuate daily; compare transactions against their corresponding date benchmark.
Treating estimates as bank quotes
Only your card issuer can provide official posted transaction rates.
How to work the fx fee register
Record the exact foreign currency amount charged for each purchase on your trip.
Check your card statement for the final billed amount in your home currency.
Enter the official mid-market or interbank exchange rate for the transaction date.
The register sums the hidden fee markup across transactions so you see where card fees accumulate.
What the fx fee register replaces
| Question | Before | Visible working |
|---|---|---|
| Ignoring conversion markups | Focusing only on advertised zero-fee claims while paying a padded exchange rate. | Provide the converted amount billed |
| Mixing transaction dates | Exchange rates fluctuate daily; compare transactions against their corresponding date benchmark. | Set the benchmark rate |
| Treating estimates as bank quotes | Only your card issuer can provide official posted transaction rates. | Review the total fee drag |
A local arithmetic aid replaces hand calculation, not expert review. No paid AI service is needed.
Run it on the samples, right here
FIRST-LOAD
Input is processed locally and a draft is saved automatically in this browser profile when storage is available. Reset to sample clears that draft; Pro history has its own clear button. A state link encodes your inputs in its URL: share only non-sensitive rows. Browser history, clipboard and anyone receiving the link may retain it. Optional AI use below leaves this device; it is not required.
Currency conversion fee calculation only using user-supplied amounts and rates. Not financial advice; verify card fee schedules and bank transaction details.
Data note: Everything runs in this browser tab on the fx fee register: your exchange transaction | local amount spent | converted charge billed stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.
Go deeper: the companion app files the same reading as a bound register page
The article demo above runs without limits. The companion app keeps a local history, exports the rows as CSV, prints the fx fee register reading, and holds your drafts on this device — one free run, then $ 4 one-time for the layer that keeps filing.
The fx fee register reading is complete for free. The optional $4 layer adds print, row CSV and the last five local reading summaries; it does not add hidden answers. Checkout is not configured yet; the article demo remains unlimited.
Open the tally hidden currency exchange fees against interbank rates companionBoundary
Currency conversion fee calculation only using user-supplied amounts and rates. Not financial advice; verify card fee schedules and bank transaction details.
What this is built on
- Method: Enter the official mid-market or interbank exchange rate for the transaction date.
- All sample records are invented examples. The app does not fetch measurements, policies, files or personal records.
- Google’s official pricing page, fetched 2026-09-28, lists free-tier access including AI Studio. Optional formatting only; limits and availability can change. Free-tier content may be used to improve products. Never paste private records there.
Before: Focusing only on advertised zero-fee claims while paying a padded exchange rate. After: the fx fee register shows the working beside each named row so the reader can change the assumption and inspect the consequence.
Optional AI formatting, not calculation
For this fx fee register, use the free AI Studio interface only if available to you, with no paid API key. Manual entry completes the same workflow for free. Supply only fictional or non-sensitive notes. Review its output against the source; never paste unresolved questions into the numeric rows.
Format my non-sensitive notes for a fx fee register. Return plain rows only: exchange transaction | local amount spent | converted charge billed. Preserve supplied quantities exactly. Do not guess missing values; list questions separately. Do not calculate or add advice. I will check every row before pasting into the local tool.
Accepted schema: exchange transaction | local amount spent | converted charge billed. No AI response is executed as code.