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True Cost of Spending Abroad & DCC Checker

Local currency or home currency at checkout? Are you being overcharged by DCC? Find out — all rates are yours to enter, based on public formulas.

📖 Guides →

💡 Simple

🧮 Pro calculator

🔍 Was I DCC'd?

① How much does it cost? the price shown abroad

👆 Pick the currency of the country you're in (Japan=JPY, Thailand=THB, Europe=EUR…)

② What currency is your card in? how to check? →

③ How will you pay? pick one, fees auto-fill

💡 All-currency card? Pick 'No-fee card' — its whole selling point is no currency conversion fee.

Fees (auto-filled by card type above; you can edit)

Not sure? Use the card-type buttons above.

Mid-market rate 1 foreign = ? home; auto-fetched

Foreign txn fee % your bank's charge on foreign spend, 0–3% (0 for many travel cards)

Conversion fee % ~1.5% when converted via USD; UnionPay waives it; 0 if unsure what's this? →

DCC markup % merchant's hidden padding if you pick home currency, 3–7% What is DCC? →

UnionPay conv. fee % usually 0 for CNY

Why you overpay — in one minute

Abroad, terminals and websites ask "pay in local or your home currency?". Home currency triggers DCC (Dynamic Currency Conversion): the merchant's side pads the rate by 3%–7%. Local currency lets the card network convert near the mid-market rate — usually much cheaper.

Network conversion: near mid-market
Currency conversion fee: ~1%–1.5% when routed via USD (UnionPay often waives it)
Foreign transaction fee: charged by your issuer, 0%–3%
DCC markup: only if you pick home currency, 3%–7%

Rule of thumb: always pick local currency; use a no-foreign-fee card; Chinese cards via UnionPay avoid the conversion fee.

Independent third-party tool, not affiliated with any bank, card network or merchant. Results are estimates based on the rates you enter; your statement is authoritative. No personal data collected.