spend abroad · smarter

境外刷卡真实成本 & DCC 核查器True Cost of Spending Abroad & DCC Checker

刷卡到底该选"当地货币"还是"本国货币"?会不会被 DCC 偷偷多扣?一算便知。所有费率由你自己填,基于公开通用公式。Local currency or home currency at checkout? Are you being quietly overcharged by DCC? Find out. All rates are yours to enter; based on public, standard formulas.

📖 境外用卡攻略Guides →

💳 消费前估算💳 Estimate before you pay

🔍 账单核查:我被 DCC 了吗?🔍 Receipt check: was I DCC'd?

外币金额Foreign amount

消费币种(当地)Charged currency (local)

你的本币Your home currency

中间价 (1 外币 = ? 本币)Mid-market rate (1 foreign = ? home)

境外交易费 % (你的卡,常见 0–3)Foreign txn fee % (your card, 0–3)

货币转换费 % (走美元通道约 1.5,银联 0)Currency conversion fee % (~1.5 via USD, 0 for direct)

DCC 加价 % (通常 3–7)DCC markup % (typically 3–7)

直连网络(如银联)货转费 %Direct network (e.g. UnionPay) conv. fee %

为什么会多花钱?一分钟看懂Why you overpay — in one minute

1. 当地货币 vs 本国货币(DCC)1. Local vs home currency (DCC)

在境外 POS 或网站结账时,常被问"用当地货币还是你的本国货币付"。选"本国货币"= 触发 DCC(动态货币转换):由商户的收单方换汇,汇率里偷偷加 3%~7%。选"当地货币"= 由卡组织(Visa/Mastercard/银联)换汇,汇率接近中间价,通常划算得多。Abroad, terminals and checkout pages often ask "pay in local currency or your home currency?". Choosing home currency triggers DCC (Dynamic Currency Conversion): the merchant's processor converts at a rate padded by 3%–7%. Choosing local currency lets the card network (Visa/Mastercard/UnionPay) convert near the mid-market rate — usually much cheaper.

2. 费用是分层叠加的2. Fees stack in layers

卡组织换汇:接近中间价Network conversion: near mid-market
货币转换费:非直连币种走美元时约 1%~1.5%(银联对 CNY 通常免)Currency conversion fee: ~1%–1.5% when routed via USD (UnionPay often waives it for CNY)
境外交易费:发卡行收,0%~3%(很多"旅行卡"是 0)Foreign transaction fee: charged by issuer, 0%–3% (many travel cards are 0)
DCC 加价:选本国货币时才有,3%~7%DCC markup: only if you pick home currency, 3%–7%

一句话:结账永远选当地货币;用免境外交易费的卡;中国卡走银联可免货币转换费。Rule of thumb: always pick local currency; use a card with no foreign transaction fee; Chinese cards routed via UnionPay avoid the currency conversion fee.

独立第三方工具,与任何银行、卡组织或商户无关。结果为按你输入费率的估算,实际以账单为准。费率数据由用户自行输入,本站不采集报文或个人数据。 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. Rates are user-entered; this site collects no messages or personal data.