Currency abroad

cash vs card vs ATM: effective rate with all fees and the DCC trap

Parameters

Foreign currency needed, €

Exchange: buy rate

Exchange: fee, %

Card: bank rate

Card: conversion fee, %

ATM: rate

ATM: bank fee, %

ATM: fixed fee, UAH

ATM owner fee, €

Terminal offers "pay in UAH" (DCC)

Cost of €500

Cash exchange 23 215,00 UAH (46,43)

Card payment ← best22 978,00 UAH (45,96)

ATM abroad 23 555,00 UAH (47,11)

Paying by card at the bank's Visa/MC rate with no conversion fee is usually cheapest. Exchange cash in Ukraine — tourist exchange rates abroad are worse. Withdraw at bank ATMs, not Euronet (€3–5 fee + poor rate). Keep a limit in the destination currency.

Sobre Currency Exchange

Currency Exchange — herramienta en línea gratuita en usefulhub.cloud. Viajes: Planificación de viajes. Use nuestras herramientas sin registro ni instalación de software. Todos los cálculos se realizan en su navegador — sus datos nunca se envían a un servidor.