Mid-market rate (right now)
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Your effective rate
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Markup vs mid-market
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Cost of that markup
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Mid-market rate, last 30 days — today marked
Rates are live mid-market interbank reference rates from Frankfurter (ECB reference data), fetched directly in your browser — nothing you enter is sent anywhere. Mid-market is the rate banks trade at with each other; any consumer-facing quote includes a markup on top of it. There is no single "correct" markup — this tool just shows you the gap so you can judge for yourself.