Rate spread
- What it means
- The distance between the source-labelled reference and the provider rate.
- How to enter it
- Enter the provider rate in target currency per one source-currency unit.
Flagship comparison tool
Real exchange cost calculator
Start with a BNR or market reference, enter up to three provider quotes, and compare the amount actually delivered after the rate spread and every visible fee. Values stay in your browser unless you deliberately create a fragment share link.
Editorial details · Updated Editorial review: BTR.ro Rate Reference
On a fresh page, Provider 1 starts with illustrative rate and fee figures. They are not current provider prices. Replace them with values from one current quote, including its total debit and final delivered amount, before relying on a comparison.
Use a decimal point (for example, 0.5), without spaces or thousands separators.
Real-cost comparison
1000 EUR to RON
Reference: 5.3495 RON per EUR
Benchmark provenance: National Bank of Romania · Official BNR-derived reference · 28 Oct 2026 · Indicative, not executable. Verify the cited publication before acting.
Calculation paused. Preparing the initial comparison. Inputs will be available when it is ready.
Provider labels and amounts stay in this browser unless you deliberately copy a fragment share link. Anyone with the full link can read the shared values; avoid confidential details in provider labels. Analytics receives only event names, locale, route category, and consent-safe campaign identifiers; input edits are counted once per page after consent.
Read each input correctly
What belongs in the comparison
Use the same source amount, currency direction, payout method, and quote window for every provider. If one route settles differently, treat it as a tradeoff after comparing the numbers.
Fixed and network fees
- What it means
- Flat deductions such as a service, intermediary, withdrawal, or blockchain fee.
- How to enter it
- Enter each flat total in the target currency.
Percentage and weekend fees
- What it means
- A percentage deducted from the value produced by the provider rate.
- How to enter it
- Enter only an additional percentage charged on gross converted output; use zero for charges already included in the rate or final amount.
DCC markup
- What it means
- A merchant or ATM conversion markup when you choose a displayed home-currency amount.
- How to enter it
- Leave zero if the quoted rate or final home-currency amount already includes the DCC markup. Enter only a separate additional fee using the calculator's gross-output basis; do not add the disclosed ECB markup again.
Delivered amount decides the price
A stronger headline rate can lose after fixed or percentage fees. The table ranks nothing automatically; it highlights the highest delivered amount while preserving the order you entered.
Share state stays out of requests
The opt-in share action stores the versioned worksheet after # in the URL. Browsers do not send that fragment in the HTTP request, so amounts and provider labels do not enter BTR server logs. The fragment is encoded, not encrypted: anyone with the full link can read its values. Avoid confidential details in provider labels.
Provider confirmation remains final
BTR does not know private account tiers, hidden fees, quote locks, refund rights, or settlement conditions. Confirm the executable quote before sending money or approving a payment.