What did moving your money cost you?

Choose a statement from Wise, Revolut, N26 or MAIB, or another CSV, and see what every currency conversion and card payment abroad cost over that day's reference rate. Free, with no account.

Check a statement

The cost your bank doesn't show

When you pay abroad or move money between currencies, most banks use a rate a little worse than the market's and keep the difference. It isn't printed as a fee, so no statement adds it up.

A markup of 1 to 3% on each card payment and transfer is common. On a few hundred a month, that is real money over a year.

How it works

1. You choose a statement file. It's read in your browser, the same way Consistent's import reads it.
2. For every row converted from another currency, the checker works out the rate you got from what you paid and what you received, and compares it with that day's reference rate.
3. You see the difference for each conversion, for each currency pair and in total, with the fees the bank printed counted apart.

What it never does

• Upload your statement. The file stays on your device; our server is only asked for the reference rates of the days and currencies it covers.
• Ask you to sign up or sign in.
• Keep anything once you close the page.

What it reads

Wise

A balance's CSV export: card payments abroad and conversions between your balances, with Wise's fee.

Revolut

The CSV export: exchanges between your currencies. Revolut prints card payments abroad only in your account's currency, so those can't be checked.

N26

The CSV export: card payments in another currency, with their original amount.

MAIB

The PDF statement: card payments abroad, and the fees in their own column.

Other banks

A CSV with columns for the original amount and its currency. You confirm which column is which.

An example

Illustrative numbers, not anyone's statement.

You paid €46.30 for a $52.00 purchase. That day's reference rate made $52.00 worth €44.83.

The difference, €1.47 or 3.3%, is what the rate cost you. It isn't on the statement as a fee.

Twenty payments like it a month come to about €350 a year.

The reference rate

The reference is Consistent's daily rates, close to mid-market, from the open fawazahmed0 exchange-api. A bank converts at a moment in the day and the reference is one rate a day, so a difference under 0.5% counts as none, and a rate better than the reference counts as a saving. Every figure is an estimate, which is why the checker says about.