A$ AussieSpend
For Australians spending overseas

Know the real cost of spending overseas.

Convert a foreign price to Australian dollars, then add your card's transaction fee and exchange-rate markup. Reference rates come from Cotizave when available. No sign-up.

1 Start with the reference exchange rate
2 Add your card's markup and foreign transaction fee
3 See the estimated total in AUD
Checking Cotizave for an available reference rate…
Checking rateWe never substitute a sample rate for a current quote.

Tools for spending overseas

Card fees Foreign transaction fee calculator See what a purchase costs once your card's fee and rate markup are added. Trip planning Travel budget calculator Enter daily costs in local currency and get a trip total in AUD for your group. At the checkout Pay in AUD or local currency? Compare the merchant's AUD offer with paying in local currency through your bank. Rates AUD currency converter Convert between AUD and supported currencies, both directions. Online shopping Overseas purchase calculator Add a card fee, rate markup and any fixed AUD charge to a foreign price. Compare rates Exchange rate markup calculator Compare a provider’s USD/AUD rate with a reference and see the AUD difference. Subscriptions USD subscription cost calculator Estimate monthly and 12-month AUD costs, including your card fees.

Budget a trip

Current reference checked when you open the calculator
IDR Bali Plan in IDR → JPY Japan Plan in JPY → NZD New Zealand Plan in NZD → USD United States Plan in USD → THB Thailand Plan in THB →

How the true cost is worked out

A converter shows a reference rate. Your bank or card provider usually charges more than that, in up to three ways. We show each one separately.

1
Exchange rate markup
The difference between the rate you're given and the reference rate.
2
Foreign transaction fee
A percentage of the converted amount, charged by some cards on overseas purchases.
3
Fixed fees
A flat charge per transaction or ATM withdrawal, if your provider has one.

Where our numbers come from

Exchange rate data powered by Cotizave. USD/AUD uses an Australian reference; other supported currencies are derived via USD from Cotizave's public country rates. The calculators show no result if a valid rate is unavailable. See our methodology.

We do Show the rate source, its update time and each fee assumption.
We don't Exchange money, process payments or give personal financial advice.
Links If we ever earn a commission from a link, it will be labelled next to that link.

Guides

Can an AUD purchase have an international fee? Why choosing AUD at an overseas terminal may still attract a card fee. How foreign transaction fees work What the fee is, when it applies, and how to find it in your card's terms. "Pay in AUD?" at the terminal: what it means How merchant conversion works and how to compare it before you tap. Exchange rate markups, explained Why the rate on your statement differs from the one you looked up.

Questions

Is this the rate my bank will charge? +

No. We use Cotizave reference data when available. Banks, card networks and merchants set their own rates and may add fees. Check your card's terms before relying on an estimate.

What is a foreign transaction fee? +

A percentage some cards charge when you pay in a foreign currency or pay an overseas merchant, even in AUD. The amount and how it's applied vary by provider, so check your card's terms.

Should I pay in AUD or local currency overseas? +

It depends on the rate the merchant offers and what your bank charges. The merchant or its processor sets the AUD offer; our comparison tool uses a Cotizave reference when available and your entered card fees.

Where do your exchange rates come from? +

Cotizave supplies the reference data. Non-USD AUD conversions are derived through USD from its public country rates. Each calculator shows the source time and an unavailable state when it cannot verify the rate.

Does AussieSpend exchange money or give advice? +

No. AussieSpend is a free set of calculators and guides. We don't exchange money, process payments or give personal financial advice.