Merchant amount
Confirm the amount and currency accepted at checkout. If the merchant converted the purchase, the receipt may already show the home currency.
Foreign Transaction Fee Calculator for Credit Card Statements
Enter the foreign amount and the home-currency amount that posted. The tool shows the implied exchange rate, the separately listed fee rate, and the total home-currency cost without claiming which party set the exchange rate.
Original purchasethenPosted conversionthenSeparate card fee
Assemble a receipt-to-statement evidence file
The calculator can describe the observed result only when the original purchase and posted card entry can be matched. Keep the evidence needed to explain who performed each conversion.
- Merchant receipt: original amount, original currency, transaction date, and any home-currency offer accepted at checkout.
- Statement row: posted amount, billing currency, posting date, merchant descriptor, and any separate fee row.
- Card terms: foreign transaction fee definition, stated percentage, excluded transactions, and refund treatment.
Separate the three decisions in a foreign charge
A total card cost can reflect the merchant's pricing, a currency conversion, and a separately assessed issuer fee. The calculator keeps those items distinct.
Posted conversion
The implied rate is posted home-currency amount divided by original foreign amount. It is descriptive and does not identify the party that selected the rate.
Card fee
A separately listed fee increases total cost. Compare it with the agreement and check whether the disclosed percentage uses the posted amount as its base.
Foreign purchase example
A purchase of 100 foreign-currency units that posts as $75 has an implied rate of $0.75 per foreign unit. A separate $2.25 fee equals 3% of the posted amount.
The total home-currency cost is $77.25. This arithmetic does not show whether the network rate, merchant conversion, or issuer terms were favorable. It gives you a reproducible set of figures to compare with the receipt and agreement.
Evidence needed before disputing a difference
Keep the receipt, statement description, transaction date, posting date, both currencies, and card terms together. The foreign transaction reference shows how those records fit into one review.
Dates can differ
The exchange-rate date may follow the purchase date because settlement occurred later.
Refunds can use another rate
A later refund can convert at a different rate and may not reverse every fee automatically.
Dynamic conversion changes the path
If you accepted the merchant's home-currency offer, the statement may not contain a network conversion.