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 2026-09-30Editorial 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.

From currencyTo currencyAmount in EURReference rate (RON per 1 EUR)

Reference source:National Bank of Romania

Official BNR-derived reference · 8 Oct 2026 · Indicative, not executable

Manual quote 1

Provider 1

Direction: you send EUR and the provider delivers RON. Enter how many RON the provider gives for 1 EUR.

Enter only additional fees not already included in the quoted rate or final amount. Percentage fields deduct from gross converted output; use zero for included charges and confirm the provider uses the same fee basis.

How to enter a source-currency fee (opens in a new tab)

Provider labelQuoted rate (RON per EUR)Fixed fee (RON)Service fee (%)Weekend markup (%)

Additional DCC fee (%)

Leave at 0 when the DCC markup is already included in the quoted rate or final home-currency amount. This field deducts an additional percentage of gross output; the disclosed ECB markup is not automatically a separate fee.

Network/intermediary fee (RON)

Real-cost comparison

1000 EUR to RON

Reference: 5.3470 RON per EUR

Benchmark provenance: National Bank of Romania · Official BNR-derived reference · 8 Oct 2026 · Indicative, not executable. Verify the cited publication before acting.

Provider 1

Delivered (RON): 4,895.35
Effective rate (RON per EUR): 4.89535
Explicit fees (RON): 34.65
Total cost (RON): 451.65 (8.45%)
Benchmark difference: Below reference by 451.65 RON

Provider	Delivered (RON)	Effective rate (RON per EUR)	Explicit fees (RON)	Total cost (RON)	Benchmark difference
Provider 1	4,895.35	4.89535	34.65	451.65 (8.45%)	Below reference by 451.65 RON

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.

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.

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.

Cost	What it means	How to enter it
Rate spread	The distance between the source-labelled reference and the provider rate.	Enter the provider rate in target currency per one source-currency unit.
Fixed and network fees	Flat deductions such as a service, intermediary, withdrawal, or blockchain fee.	Enter each flat total in the target currency.
Percentage and weekend fees	A percentage deducted from the value produced by the provider rate.	Enter only an additional percentage charged on gross converted output; use zero for charges already included in the rate or final amount.
DCC markup	A merchant or ATM conversion markup when you choose a displayed home-currency amount.	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.

Continue with the relevant guide

Effective-rate guide Card and DCC fees Romanian transfer checklist Rate methodology