Exchange Fee Calculator
See how much a bank or money changer's rate is really costing you versus the mid-market rate.
Rates
The mid-market reference rate here updates daily and was last refreshed 23 Sept 2026, 08:00 Bangkok time. Enter the actual rate your bank or money changer quotes for an accurate comparison.
What the spread + fee is costing you
฿1,000
3.0% of the mid-market value
- At the mid-market rate
- ฿33,135
- What you’ll actually receive
- ฿32,135
- Total cost of spread + fee
- ฿1,000
How this is calculated
The amount you’d get at the reference mid-market rate is compared against what you’d actually receive at the offered rate minus any flat fee. The difference is the true cost of the exchange, shown both in THB and as a percentage of the mid-market value.
Related guides & tools
- Sending money to Thailand: methods, fees and rates — bank wires, transfer services and what each really costs
Frequently asked questions
What's the 'mid-market rate'?
The midpoint between buy and sell rates on the open currency market — the rate you'd see quoted on Google or in the news, before any bank or money changer adds their margin.
Why does the offered rate default to a bit below the mid-market rate?
It's a starting example to illustrate the tool, not a real quote — the reference mid-market rate itself updates daily from the European Central Bank's rates. Replace it with the actual rate your bank or money changer quotes you.