Currency Conversion Fee Calculator
Compare what the main brokers would charge to change euros or pounds into dollars for your regular share purchases, using their published fees.
Cheapest
€36.00
Interactive Brokers (automatic conversion)
Most expensive
€900
eToro (before Club discounts)
Difference
€864
on €60,000 invested over 10 years
Total conversion cost over 10 years, including the sale
Broker by broker
| Broker | Fee | Each purchase | All purchases | Selling at the end | Total |
|---|---|---|---|---|---|
| Interactive Brokers (automatic conversion) | 0.03% | €0.15 | €18.00 | €18.00 | €36.00 |
| Trade Republic (built into the price, approx.) | 0.12% | €0.60 | €72.00 | €72.00 | €144 |
| Trading 212 | 0.15% | €0.75 | €90.00 | €90.00 | €180 |
| Revolut Plus | 0.50% above 3,000 a month | €0.00 | €0.00 | €285 | €285 |
| Saxo | 0.25% | €1.25 | €150 | €150 | €300 |
| DEGIRO (automatic conversion) | 0.25% | €1.25 | €150 | €150 | €300 |
| Capital.com (EU shares and ETFs) | 0.40% | €2.00 | €240 | €240 | €480 |
| Revolut Standard | 1.00% above 1,000 a month | €0.00 | €0.00 | €590 | €590 |
| XTB | 0.50% | €2.50 | €300 | €300 | €600 |
| Your broker (0.50%) | 0.50% | €2.50 | €300 | €300 | €600 |
| eToro (before Club discounts) | 0.75% | €3.75 | €450 | €450 | €900 |
What this calculator compares
When you buy a US share from a euro or pound account, your broker converts your money into dollars, and most add a margin to the exchange rate. The charge is rarely shown as a separate fee, but over years of regular investing it can cost more than every commission you pay. This calculator applies each broker’s published conversion fee to your own pattern of purchases, and to the conversion back when you sell, so you can see the difference in money rather than in percentages.
How the fees are worked out
- Most brokers charge a fixed percentage of each conversion.
- Revolut’s cheaper plans convert a monthly amount free and charge on the rest; the allowance is shared with all your other currency exchange, such as card spending abroad, so the real cost can be higher. Its higher plans, which have a monthly subscription, add no conversion fee.
- Hargreaves Lansdown charges 0.99% on the first £10,000 of a trade, 0.50% up to £25,000 and 0.20% above that.
- Interactive Brokers is shown with automatic conversion; converting manually costs a minimum of US$2 and is only cheaper for large amounts.
How to avoid the fee altogether
Many global ETFs are listed on European exchanges in euros or pounds, so buying them needs no conversion at all, even though the fund holds dollar shares. Some brokers also let you keep a dollar balance, so dividends and sale proceeds are not converted back and forth. Our guide to broker currency conversion fees explains each broker’s rules.
What the calculator assumes
Fees are those on each broker’s own price list in October 2026 for retail share and ETF purchases, and they change often. The sale at the end assumes your investments are worth what you paid, so a larger portfolio would cost more to convert. Dividends, trading commissions, spreads and taxes are left out.
Fees as published by each broker in October 2026, for illustration. Brokers change their prices, and fees can differ by country, account type and plan, so check the current price list before choosing. Plain Investor is not paid by any broker listed. Not advice.