What is the mid-market exchange rate?

The mid-market exchange rate is the real midpoint between the supply and demand for a currency in global markets without bank markups.

Why do banks give a different rate than online calculators?

Commercial banks and exchange booths add a retail markup (spread) to make a profit. Calculators typically display the mid-market reference rate.

What is Dynamic Currency Conversion (DCC)?

DCC occurs when an overseas ATM or card terminal asks if you want to be charged in your home currency. It usually carries poor exchange rates (3–7% markup). It is usually cheaper to choose the local currency.

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