FX Rate Calculator, Including Fees

See exactly how much reaches the recipient after conversion. 38+ currencies. Personnel et business rates.

Réglementé FCA
38+ devises
190+ pays
Live Rates
Personnel & Professionnel
Fonds protégés
FX calculator
You send
€
They get (est.)
د.إ
Taux mid-market
1 EUR = 3.9700 AED
Fee (2%)
−79.40 AED
Taux NOWE
1 EUR = 3.8906 AED
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Qu'est-ce qu'un an FX Rate Calculator?

An FX rate calculator converts one currency into another via a live or indicative exchange rate, showing vous how much a recipient receives after any conversion frais est applied.

Most en ligne calculators display only the mid-market rate: the midpoint between the buy et sell price on global currency markets. This est the rate vous see on Google. Banks et most fintechs apply a markup above this rate, the difference est the FX markup, et it reduces how much reaches the recipient.

NOWE's calculator shows both: the indicative mid-market rate et the estimated amount after NOWE's conversion frais, jusqu'à 2% pour personal comptes et jusqu'à 1.5% pour business comptes. No hidden spread. What vous see est what virements.

Qu'est-ce qu'un NOWE

NOWE Money est a multidevise fintech platform operated by NOWE Money B.V., immatriculé in Amsterdam, Pays-Bas (KvK 98048260). It offers personal et business comptes avec EU IBANs, SEPA paiements, international FX across 190+ pays, et 38+ currencies. Payment services sont provided by Equals Money PLC (FCA #900190). KYC takes ~4 minutes; comptes verified sous 1 jour ouvré.

Comment Use the FX Rate Calculator :

1
Select Votre Account Type

Choose Personnel or Professionnel. Professionnel comptes use jusqu'à 1.5% FX conversion; personal comptes use jusqu'à 2%.

2
Enter Votre Envoyer Amount & Base Currency

Type the amount vous want to send. Select the base currency depuis the dropdown, the currency vous sont converting from.

3
Select the Quote Currency

Choose the currency votre recipient will receive. Le calculator shows the estimated amount via NOWE's indicative rate.

4
Review the Fee Breakdown

Le result shows the mid-market rate, NOWE's conversion frais, et the estimated amount the recipient receives, all in one view.

5
Ouvrir a NOWE Account

Rates shown sont indicative. Le rate applied at time of virement depends on live market conditions.

Understanding FX Rates: What You're Really Paying

Le Mid-Market Rate vs What Vous Actually Pay

  • Le mid-market rate, also called the interbank exchange rate, est the fair midpoint between what buyers et sellers pay pour a currency on global markets. It est the rate shown on Google, Reuters, et Bloomberg.
  • No one actually transacts at the mid-market rate. Every bank et paiement provider applies a markup above it to generate revenue. That markup est the exchange rate spread.
  • At traditional banks, the spread on international virements est en général 3–5% above the mid-market rate. NOWE Money applies a conversion frais of jusqu'à 2% pour personal comptes et jusqu'à 1.5% pour immatriculé business comptes, significantly below the typical bank spread.

Pourquoi Does My Exchange Rate Differ depuis Google's?

  • Google's currency converter shows the mid-market rate, updated in real time. This rate est a reference benchmark, not a tradeable price. When vous envoyer money through any bank or fintech, the provider adds their margin above this rate.
  • Le gap between the Google rate et what vous actually recevoir est the effective FX cost of the virement.
  • NOWE's calculator makes this visible. Le "recipient receives" figure already includes the NOWE conversion frais applied above the mid-market rate. There sont no additional hidden spreads.

Calculating FX Costs pour Professionnel Transfers

  • Pour les entreprises paying international fournisseurs or receiving client paiements in foreign currencies, FX conversion cost est a direct line item on the P&L.
  • A business paying a UAE fournisseur AED 50,000 per month depuis a EUR compte at a bank charging 4% FX spread pays environ €740 more per month than a business via NOWE's jusqu'à 1.5% business rate. Over 12 months, that est €8,880 in unnecessary FX costs on a single fournisseur relationship.
  • NOWE's calculator lets business compte holders model the exact cost before initiating a virement, reducing FX risk et aiding paiement reconciliation in multidevise compteing workflows.

MENA et International Currency Pairs

  • EUR to AED, EUR to SAR, EUR to TND, et EUR to MAD sont among the most-used currency pairs by NOWE's target users, y compris MENA diaspora in Europe, Tunisian et Moroccan expats, et businesses trading avec Gulf Cooperation Council partners.
  • These corridors sont supported across all NOWE compte types. NOWE's Pays-Bas EU IBAN peuvent envoyer et recevoir in 38+ currencies. Customers based outside Europe et the UK peuvent use all FX features; cartes physiques sont available to EU et UK-based clients only.

Key FX Concepts Explained

Mid-Market Rate

Le fair midpoint between global buy et sell prices. Le benchmark on Google, not the rate vous actually pay.

FX Markup

Le percentage added above mid-market. Banks: 3–5%. NOWE: jusqu'à 2% personal, jusqu'à 1.5% business.

Exchange Rate Spread

Le gap between the rate vous see et what vous receive. Spread size est votre real FX cost.

Currency Conversion Fee

NOWE's transparent frais on conversion, jusqu'à 2% personal or 1.5% business. No hidden spread on top.

FX Rate Comparison: NOWE vs Banks vs Fintechs

FX markup above mid-market
Traditional Bank3–5%
Typical Fintech0.5–2%
NOWE MoneyUp to 2% personal
Professionnel FX rate
Traditional Bank2–4%
Typical Fintech0.5–1.5%
NOWE MoneyUp to 1.5% business ✓
Fee shown before virement
Traditional BankOften hidden
Typical FintechYes
NOWE MoneyYes ✓
Fee-inclusive calculator
Traditional BankNo
Typical FintechPartial
NOWE MoneyYes ✓
SEPA virements
Traditional BankGratuit–€5
Typical FintechGratuit–€1
NOWE MoneyGratuit ✓
SWIFT recevoir frais
Traditional Bank€10–€30
Typical Fintech€0–€10
NOWE Money€0 Platinum · €15 Classic
Supported currencies
Traditional Bank20–50
Typical Fintech30–55
NOWE Money38+ ✓
Non-resident comptes
Traditional BankRare
Typical FintechLimited
NOWE MoneyYes, dans le monde entier ✓
EU IBAN issued
Traditional BankYes (if EU-based)
Typical FintechVaries
NOWE MoneyYes, Pays-Bas ✓

Who Uses the FX Rate Calculator?

Expats Sending Money Home

Calculate the exact amount votre family receives before vous send. Best exchange rate pour expats, EUR to SAR, AED, TND, MAD supported.

Ouvrir un compte personnel

International Remote Workers

Recevoir salary in EUR et convert to votre home currency. See the live currency rate et frais before every international money virement.

Ouvrir un compte personnel

Non-Residents Paying in Europe

Use the foreign exchange calculator en ligne gratuit to check costs before paying rent, frais, or services in euros depuis outside the SEPA zone.

Ouvrir un compte personnel

Related Tools & Guides

Currency Converter

Convert between 38+ currencies at live mid-market rates.

SEPA vs SWIFT

Understand which paiement rail to use et what it costs.

Multi-Currency IBAN

Hold, send, et recevoir in 38+ currencies depuis one EU IBAN.

International FX

Envoyer to 190+ pays at jusqu'à 1.5% business FX rate.

Réglementé et fonds protégés

FCA #900190

Agrément FCA

Payment Services via Equals Money PLC, Authorised And Regulated By Le UK Financial Conduct Authority.

PSD2

Fonds protégés

PSD2-Compliant. Client Funds Held In Safeguarded Accounts, Never Used For Credit Or Speculation.

KvK 98048260

NOWE Money B.V.

KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Pays-Bas
Private limited liability company immatriculé in the Pays-Bas.

Détails conformité →

Questions fréquentes

An FX rate calculator converts one currency to another via a live or indicative exchange rate, showing vous how much the recipient receives after any conversion frais. NOWE's calculator est frais-inclusive, it shows the mid-market rate et the estimated received amount after NOWE's conversion frais of jusqu'à 2% (personal) or jusqu'à 1.5% (business).

Pour les particuliers

Your money, accessible everywhere you go

Up to 2% FX fees, free SEPA transfers, and support in 190+ countries

Ouvrir un compte particulierVoir les tarifs

Cartes physiques disponibles pour les clients en Europe et au Royaume-Uni uniquement. IBAN, SEPA, SWIFT et conversion FX disponibles dans le monde entier.