Rateory tools
Compare the real outcome, not just the headline exchange rate
A provider can charge through the rate, a fixed fee, a percentage fee or a combination of all three. These tools turn those pieces into comparable outcomes so you can judge what the conversion actually costs.
Exchange-rate markup calculator
Use this when a provider gives you an exchange rate. Enter the neutral reference rate, provider rate, source amount and any separately charged fee. The calculator shows the value lost to markup and fees in both target-currency and percentage terms.
Open calculator →Provider quote comparator
Use this when providers emphasize the final recipient amount rather than the rate. Compare two quotes with the same source amount and payout method, then include separately charged sender fees to see which quote delivers the stronger effective outcome.
Open comparator →Recommended workflow
Reference rate → comparable quote → final amount
1. Fix the transaction
Choose one source amount, one currency pair and one payout method. A bank deposit, card payment and cash pickup are different products and should not be ranked as if they were identical.
2. Capture the full quote
Record the provider rate or final recipient amount, every visible fee, the quote timestamp and whether the rate is locked. Keep quotes close together when the market is moving.
3. Compare one outcome
For transfers, compare the final target-currency payout. For card spending, compare the final source-currency debit. This prevents a low fee from hiding an expensive rate margin.
When the markup calculator is the better choice
Choose it when the provider exposes its exchange rate and you want to measure the gap from a reference baseline. It is especially useful for bank or transfer quotes that include both a rate and a fixed fee. The result is not a forecast or a claim that the reference rate is executable; it is a transparent way to measure the provider’s effective pricing against the same baseline.
When the quote comparator is the better choice
Choose it when two services show a final recipient amount and the advertised rates are difficult to compare directly. It keeps the decision grounded in what the recipient actually gets. For a fair test, use the same source amount, destination and payout method, and keep temporary first-transfer promotions separate from normal pricing.
What these tools deliberately do not do
Rateory does not rank providers, recommend a financial transaction or invent provider fees. The calculations use the numbers you enter and the reference information shown by Rateory. Availability, transfer limits, settlement time, recipient requirements and the executable rate must still be confirmed with the provider handling the transaction.