Find the effective rate on your bank statement
Enter the original foreign amount and the AUD amount actually charged. This calculates your all-in AUD cost per currency unit and compares the total with an available Cotizave reference.
Checking Cotizave reference…
No sample rate is used.
How to interpret the difference
Effective rate = AUD statement charge ÷ foreign amount. The difference from today's reference can include issuer fees, a rate margin, transaction timing, merchant fees and other adjustments. It does not isolate any one charge. For a like-for-like historical comparison, you would need an authorized reference from your transaction date; this tool currently uses the latest available reference only.
If your card statement lists a separate fee, compare the fee schedule with the foreign transaction fee calculator. See our rate method.