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What will that spend actually cost in euros?

Enter a mid-market rate. TripUtils does not fetch live exchange rates.

Amount you will spend (local currency)

Mid-market rate (local units per €1)Example: if €1 buys 38 THB, enter 38. Copy this from a rate site or your banking app.

Card FX markup (%)

Card fixed fee (€)

ATM operator fee (local)

Your bank ATM fee (€)

ATM FX markup (%)

Cash-desk rate (local per €1)

Cash-desk commission (%)

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.