Use the same direction
If you exchange EUR to RON, enter both rates as RON for 1 EUR. If you exchange RON to EUR, enter both rates as EUR for 1 RON. Mixing directions is the most common comparison mistake.
Practical exchange tool
Fee and spread calculator
Compare a bank, card issuer, transfer app, or exchange office quote against a neutral reference rate. Include the provider rate, fixed fee, and percentage fee to estimate the delivered amount and effective exchange cost.
Compare delivered amount
The provider with the best headline rate is not always cheapest. Fixed fees matter most on small amounts, while spreads and percentage fees matter more as the exchange amount grows.
Confirm before acting
This tool is for planning and comparison. Before sending money, exchanging cash, paying by card, or booking a business cost, confirm the executable quote with the provider.