Mastercard exchange rates: What you need to know

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Nabil

Jan 2, 2019

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CurrencyFees » Fee Guides » Mastercard exchange rates: What you need to know

Mastercard offers a convenient way to buy a multitude of different currencies. However, foreign exchange rates represent a major pricing point and there is often little clarity around them. We researched Mastercard’s travel money exchange rates to provide you a table showcasing their currency rate spread. Hopefully we can help you save money on your holidays.

Mastercard exchange rates: Information and tips

Know the latest interbank exchange rate for your currency pairs

The interbank rate (also called mid-market rate) is the midpoint between the buy price and sell price of two currencies on the currency markets. Mastercard does not offer the interbank rate but instead adds a margin to it, which makes the foreign currency transaction more expensive for you. Before using Mastercard for your travel money needs, make sure to know the current interbank exchange rate. That way, you’ll be able to calculate FX losses on the currency conversion. You can find the latest interbank rates using our currency converter.

How to calculate exchange rate loss

Here’s what you need to do in order to determine how much Mastercard’s travel money exchange rate spread is going to cost you:

  1. Find the current interbank rate for your currencies using our currency converter
  2. Multiply your original amount by the current interbank rate
  3. Multiply your original amount by the exchange rate Mastercard offers
  4. Subtract the first amount from the second amount
  5. This is the amount you’ll lose through currency conversion with Mastercard

Order your currency online and in advance

Ordering your foreign currency before your trip allows you to compare with rates and fees of other providers. Ordering it online also is usually much cheaper than buying currency at the airport or on arrival to your holiday destination. Make sure to always compare exchange rates before finalising an order.

 
For the best exchange rates, we highly recommend TransferWise. Enjoy your first transfer for free on transfers up to £500.
 

Mastercard exchange rate research

The exchange rate spreads below are for ordering foreign currency online. Rates on other services might differ. Those exchange rate margins are indicative at the time of research. Use the Mastercard currency converter or visit the nearest branch to get the latest rates.

Currency ISO Code Exchange Rate Mid-Market Rate Exchange Rate Margin / Loss
Euro EUR 1.127491 1.12157 -0.53%
United States Dollar USD 1.285173 1.27464 -0.83%
Australian Dollar AUD 1.8127 1.79404 -1.04%
Canadian Dollar CAD 1.68 1.67407 -0.55%
Afghanistan Afghani AFN 96.54828 95.794 -0.79%
Albanian Lek ALL 140.491737 139.75007 -0.53%
Algerian Dinar DZD 153.206186 152.18094 -0.67%
Angolan Kwanza AOA 396.364411 392.62252 -0.95%
Argentine Peso ARS 47.309606 46.95138 -0.76%
Armenian Dram AMD 622.729098 619.43701 -0.53%
Aruban Guilder AWG 2.30046 2.28161 -0.83%
Azerbaijan Manat AZN 2.184795 2.16267 -1.02%
Bahamian Dollar BSD 1.285173 1.27464 -0.83%
Bahrain Dinar BHD 0.484561 0.47927 -1.10%
Bangladesh Taka BDT 109.42515 106.92433 -2.34%
Barbados Dollar BBD 2.557495 2.54929 -0.32%
Belarussian Ruble BYN 2.718013 2.69802 -0.74%
Belize Dollar BZD 2.547856 2.56196 0.55%
Bermudan Dollar BMD 1.285173 1.27464 -0.83%
Bhutanese Ngultrum BTN 94.355094 93.75025 -0.65%
Bolivian Boliviano BOB 8.81629 8.80653 -0.11%
Bosnian Convertible Mark BAM 2.215585 2.19368 -1.00%
Botswana Pula BWP 13.86405 13.57829 -2.10%
Brazilian Real BRL 4.696666 4.73046 0.71%
Brunei Dollar BND 1.777887 1.7638 -0.80%
Burundi Franc BIF 2,284.80 2306.78813 0.95%
C.F.A. Franc Bceao XOF 740.581284 735.72953 -0.66%
C.F.A. Franc Beac XAF 784.065132 735.72953 -6.57%
C.F.P. Franc XPF 134.423027 133.84397 -0.43%
Cambodia Riel KHR 5,226.18 5186.64945 -0.76%
Cape Verde Escudo CVE 125.754236 123.6802 -1.68%
Cayman Isl Dollar KYD 1.070977 1.04521 -2.47%
Chilean Peso CLP 885.81 884.76934 -0.12%
China Yuan Renminbi CNY 8.923488 8.88046 -0.48%
Colombian Peso COP 4,093.61 4074.42472 -0.47%
Comoros Franc KMF 555.169289 551.79714 -0.61%
Congolese Franc CDF 2,112.18 2061.37914 -2.46%
Costa Rican Colon CRC 767.029951 740.0519 -3.65%
Croatian Kuna HRK 8.381041 8.33581 -0.54%
Czech Koruna CZK 29.24 29.00984 -0.79%
Danish Krone DKK 8.412351 8.36963 -0.51%
Djibouti Franc DJF 228.118313 226.87935 -0.55%
Dominican Peso DOP 64.241072 62.39175 -2.96%
E. Caribbean D Lr XCD 3.454803 3.44468 -0.29%
Egyptian Pound EGP 22.954357 22.83088 -0.54%
El Salvador Colon SVC 11.245269 11.15312 -0.83%
Ethiopean Birr ETB 35.81284 35.80561 -0.02%
Falkland Isl Pound FKP 1 1 0.00%
Fiji Dollar FJD 2.72 2.73904 0.82%
Gambia Dalasi GMD 59.040874 63.05903 6.37%
Georgian Lari GEL 3.442041 3.45409 0.35%
Ghanaian Cedi GHS 6.223902 6.17609 -0.77%
Gibraltar Pound GIP 1 1 0.00%
Guatemala Quetzal GTQ 9.960594 9.81202 -1.51%
Guinea Franc GNF 11,637.25 11630.83109 -0.06%
Guyana Dollar GYD 268.595432 266.88282 -0.64%
Haiti Gourde HTG 92.902114 88.92347 -4.47%
Hondura Lempira HNL 30.928284 30.71761 -0.69%
Hong Kong Dollar HKD 10.080397 9.99989 -0.81%
Hungarian Forint HUF 366.9267 364.24519 -0.74%
Icelandic Krona ISK 154.696345 154.45931 -0.15%
Indian Rupee INR 94.362163 93.75025 -0.65%
Indonesian Rupiah IDR 19,561.32 19395.739 -0.85%
Iraqi Dinar IQD 1,526.79 1522.88596 -0.26%
Israeli Sheqel ILS 4.765529 4.72926 -0.77%
Jamaican Dollar JMD 165.354033 171.38609 3.52%
Japanese Yen JPY 144.621869 143.72427 -0.62%
Jordanian Dinar JOD 0.91183 0.90362 -0.91%
Kazakhstan Tenge KZT 472.532627 469.9223 -0.56%
Kenyan Shilling KES 130.830672 129.85886 -0.75%
Kuwaiti Dinar KWD 0.39021 0.38723 -0.77%
Kyrgyzstan Som KGS 89.456178 88.74959 -0.80%
Laotian Kip LAK 10,972.08 10890.01704 -0.75%
Lebanese Pound LBP 1,929.05 1922.09984 -0.36%
Lesotho Loti LSL 18.639708 18.59614 -0.23%
Liberian Dollar LRD 203.571497 199.81465 -1.88%
Libyan Dinar LYD 1.791532 1.76007 -1.79%
Macau Pataca MOP 10.383436 10.30299 -0.78%
Macedonian Denar MKD 69.441784 68.98521 -0.66%
Malagascy Ariary MGA 4,546.30 4450.29796 -2.16%
Malawi Kwacha MWK 936.89155 927.11516 -1.05%
Malaysian Ringgit MYR 5.370611 5.3336 -0.69%
Maldive Rufiyaa MVR 19.869777 19.63368 -1.20%
Mauritania Ouguiya New MRU 46.879051 45.73274 -2.51%
Mauritania Ouguiya Old MRO 468.790507 457.32739 -2.51%
Mauritius Rupee MUR 44.302797 44.15163 -0.34%
Mexican Peso MXN 25.033896 25.45781 1.67%
Moldovan Leu MDL 22.007672 21.51735 -2.28%
Mongolia Tugrik MNT 3,293.42 3271.53291 -0.67%
Moroccan Dirham MAD 12.231862 12.16882 -0.52%
Mozambique Metical MZN 78.684753 77.39622 -1.66%
Myanmar Kyat MMK 2,040.32 2044.878 0.22%
Namibia Dollar NAD 18.637587 18.59614 -0.22%
Nepalese Rupee NPR 150.979461 150.74979 -0.15%
Neth. Ant. Guilder ANG 2.30046 2.2817 -0.82%
New Bulgarian Lev BGN 2.206 2.19335 -0.58%
New Zealand Dollar NZD 1.973782 1.94178 -1.65%
Nicarag Cordoba Oro NIO 41.38674 41.0515 -0.82%
Nigerian Naira NGN 467.571857 462.82899 -1.02%
Norwegian Krone NOK 10.736374 10.69829 -0.36%
Oman Rial OMR 0.494785 0.49025 -0.93%
Pakistan Rupee PKR 170.345425 169.77113 -0.34%
Panama Balboa PAB 1.285173 1.27502 -0.80%
Papua Ng Kina PGK 4.312663 4.14418 -4.07%
Paraguay Guarani PYG 7,713.56 7522.17666 -2.54%
Peru Nuevo Sol PEN 4.304903 4.28348 -0.50%
Peso Uruguayo UYU 42.252194 41.89689 -0.85%
Philippine Peso PHP 68.784644 68.18656 -0.88%
Polish New Zloty PLN 4.886179 4.85315 -0.68%
Qatari Rial QAR 4.678031 4.64109 -0.80%
Romanian Leu RON 5.273351 5.23365 -0.76%
Russian Ruble RUB 84.737873 83.71656 -1.22%
Rwanda Franc RWF 1,140.06 1113.49285 -2.39%
Samoa Tala WST 3.341238 3.35202 0.32%
Sao Tome Andprincipe Dobra New STN 27.747642 27.50191 -0.89%
Sao Tome Andprincipe Dobra Old STD 27,747.64 27501.9089 -0.89%
Saudi Riyal SAR 4.819541 4.77918 -0.84%
Serbian Dinar RSD 133.357239 132.58396 -0.58%
Seychelles Rupee SCR 17.904138 17.26622 -3.69%
Sierra Leone Leone SLL 10,679.34 10841.00269 1.49%
Singapore Dollar SGD 1.777887 1.76402 -0.79%
Solomon Isl Dollar SBD 10.046784 10.22869 1.78%
Somali Shilling SOS 743.472924 739.23116 -0.57%
South African Rand ZAR 18.753774 18.59614 -0.85%
South Korean Won KRW 1,461.40 1451.41719 -0.69%
Sri Lanka Rupee LKR 223.567125 219.58468 -1.81%
St. Helena Pound SHP 1 1 0.00%
Suriname Dollar SRD 9.607153 9.50783 -1.04%
Swaziland Lilangeni SZL 18.649028 18.60497 -0.24%
Swedish Krona SEK 11.732 11.6669 -0.56%
Swiss Franc CHF 1.284571 1.27963 -0.39%
Taiwan Dollar TWD 39.785823 39.45555 -0.84%
Tajikistan Somoni TJS 12.11109 12.01002 -0.84%
Tanzanian Shilling TZS 2,949.47 2919.59346 -1.02%
Thai Baht THB 42.586356 42.42493 -0.38%
Tonga Paanga TOP 2.834557 2.92311 3.03%
Trin. & Tob. Dollar TTD 8.702488 8.58882 -1.32%
Tunisian Dinar TND 3.643724 3.65916 0.42%
Turkish Lira TRY 7.191647 7.00728 -2.63%
Turkmenistan Manat TMT 4.491906 4.46057 -0.70%
UAE Dirham AED 4.719632 4.68041 -0.84%
Uganda Shilling UGX 4,833.38 4804.92915 -0.59%
Ukrainian Hryvnia UAH 36.20275 35.90345 -0.83%
Uzbekistan Sum UZS 10,585.81 10494.47453 -0.87%
Vanuatu Vatu VUV 144.075671 146.63883 1.75%
Venezuelan Bolivar Soberano VES 82.636662 81.86717 -0.94%
Vietnam Dong VND 30,004.52 29721.96201 -0.95%
Yemeni Rial YER 321.293398 318.98906 -0.72%
Zambian Kwacha ZMW 14.965203 14.71889 -1.67%

How we collect our data & advertiser disclosure

Mastercard’s exchange rate was collected from Mastercard’s website on 30/10/2018. Interbank rates collected from x-rates.com on 30/10/2018. The information displayed on this site is subject to change at any time and we do not guarantee 100% accuracy of the information.
For the today’s rates, visit Mastercard’s website, contact Mastercard’s customer support or log into your online banking and search for their exchange rate calculator. Currencyfees.com is not liable for any financial decisions based on the above information. Currencyfees.com is supported by referral compensations by some of the companies listed in our articles.

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