Nationwide exchange rates: What you need to know

Nabil Beirouty Avatar


Jan 2, 2019

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

Nationwide offers convenient ways to spend, send and receive money in a multitude of different currencies. Foreign exchange rates represent a major pricing point and there is often little clarity around them. We researched Nationwide’s exchange rates to provide you a table showcasing their currency rate spread.

Nationwide exchange rates: Information and tips

Know the latest interbank 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. Nationwide 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 Nationwide for international transfers, card payments abroad or your travel money needs, make sure to know the current interbank exchange rate. That way, you’ll be able to calculate FX losses on a foreign currency transaction. 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 Nationwide’s exchange rate spread is going to cost you:

  1. Multiply your original amount by the current interbank rate (find it on
  2. Multiply your original amount by the exchange rate Nationwide offers
  3. Subtract the first amount from the second amount
  4. This is the amount you’ll lose through currency conversion with Nationwide

Exchange rates can vary

Banks often offer different margins depending on the product and the customer. Commercial exchange rates offered to a business customer are usually better than exchange rates for individuals. For example, the currency conversion rate on an international transfer will differ from a card payment overseas. FX rates also vary by currency and destination countries. Ordering currencies with low market liquidity is likely to be more expensive.

Beware of currency conversion fees

For most types of currency transactions, there are usually more conversion fees that apply. These can either be administrative/service fees coming from Nationwide, or third party fees from credit card providers or correspondent banks. Always make sure to ask your local branch manager for the full scope of fees before making a transaction involving foreign currency exchange.

Make use of alternatives

New providers and startups in the FX space have emerged to compete with traditional banks. These companies often provide better foreign currency rates than traditional banks. Make sure to compare Nationwide’s exchange rates with the rates of other currency providers to ensure you get the best deal.

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

Nationwide exchange rate table

The exchange rate spreads below are for ordering foreign currency in cash / international money transfers / remittance. Rates on other services might differ. Those exchange rate margins are indicative at the time of research. Use the Nationwide 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 1.097 1.12401 2.37%
US Dollar USD 1.2504 1.28122 2.41%
Canadian Dollar CAD 1.661 1.70228 2.41%
Australian Dollar AUD 1.720 1.7691 2.78%
U.A.E Dirham AED 4.593 4.70528 2.39%
Albanian Lek ALL 136.342 140.14237 2.71%
Armenian Dram AMD 603.274 620.99978 2.85%
Barbados Dollar BBD 2.475 2.56244 3.40%
Bangladesh Taka BDT 104.147 107.01798 2.68%
Bulgarian Lev BGN 2.145 2.19837 2.41%
Bahrain Dinar BHD 0.471 0.48174 2.21%
Brunei Dollar BND 1.716 1.75911 2.46%
Bahamas Dollar BSD 1.233 1.28122 3.79%
Botswana Pula BWP 13.190 13.57172 2.82%
Swiss Franc CHF 1.244 1.27374 2.33%
Czech Republic Koruna CZK 28.509 29.22449 2.45%
Danish Krona DKK 8.186 8.38726 2.40%
Algerian Dinar DZD 147.775 152.26257 2.95%
Fiji Dollar FJD 2.6208 2.7167 3.53%
Ghana Cedi GHS 6.1016 6.19916 1.57%
Hong Kong Dollar HKD 9.7935 10.03526 2.41%
Croatian Kuna HRK 8.15 8.35358 2.42%
Hungarian Forint HUF 352.5234 361.55171 2.50%
Israeli Shekel ILS 4.6594 4.78973 2.72%
Indian Rupee INR 88.9812 91.27747 2.52%
Jamaican Dollar JMD 157.1508 161.32758 2.59%
Jordanian Dinar JOD 0.8877 0.90839 2.28%
Japanese Yen JPY 141.334 144.8579 2.43%
Kuwaiti Dinar KWD 0.3795 0.38977 2.63%
Sri Lanka Rupee LKR 222.274 228.94732 2.91%
Lesotho Loti LSL 17.401 17.91977 2.89%
Moroccan Dirham MAD 11.8136 12.15048 2.77%
Macau Pataca MOP 10.0867 10.33632 2.41%
Malawi Kwacha MWK 903.9669 931.7121 2.98%
Mexican Peso MXN 25.2861 26.08245 3.05%
Mozambique Metical MZN 75.5541 78.70517 4.00%
Namibian Dollar NAD 17.4007 17.91977 2.90%
Nigerian Naira NGN 453.5568 465.75854 2.62%
Norwegian Krona NOK 10.6607 10.94153 2.57%
New Zealand Dollar NZD 1.8265 1.87637 2.66%
Omani Rial OMR 0.4815 0.49263 2.26%
Philippine Peso PHP 65.2245 67.04773 2.72%
Pakistan Rupee PKR 165.4185 172.20248 3.94%
Polish Zloty PLN 4.716 4.83715 2.50%
Qatari Riyal QAR 4.5662 4.66364 2.09%
Romanian Leu RON 5.1112 5.24386 2.53%
Serbian Dina RSD 130.269 133.05271 2.09%
Russian Roble RUB 82.3261 84.50536 2.58%
Saudi Arabian Riyal SAR 4.6888 4.80458 2.41%
Seychelles Rupee SCR 16.7803 17.53647 4.31%
Swedish Kronor SEK 11.3044 11.59872 2.54%
Singapore Dollar SGD 1.7162 1.75911 2.44%
Swaziland Lilangeni SZL 17.401 17.91977 2.89%
Thailand Baht THB 41.1149 42.23269 2.65%
Turkish Lira TRY 6.6498 6.85386 2.98%
Trinidad & Tobago Dollar TTD 8.3159 8.63243 3.67%
Ugandan Shilling UGX 4644.6443 4772.87606 2.69%
CFA Franc BEAC XAF 737.2871 737.30285 0.00%
East Carribean Dollar XCD 3.3634 3.46231 2.86%
South Africa Rand ZAR 17.4063 17.91977 2.87%

Nationwide’s exchange rate was collected from Nationwide’s website on 21/11/2018. Interbank rates collected from on 21/11/2018. 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 Nationwide’s website, contact Nationwide’s customer support or log into your online banking and search for their exchange rate calculator. is not liable for any financial decisions based on the above information. is supported by referral compensations by some of the companies listed in our articles.


  1. Hugh Stephen Cahill on March 13, 2019 at 1:46 am

    Could you please tell me the AUD to GBP exchange rates offered by Nationwide on 5 and 6 March 2019 to covert Australian Dollars into English Pounds.

    • Nabil on March 15, 2019 at 8:33 am

      Hi Hugh,

      Unfortunately we can’t provide data for exact dates, except for those at the time we pull the data from.
      You should be able to find this out by contacting Nationwide directly – if you head to their website, hit ‘Contact Us’ in the footer, and select ‘Travel’. You should then be able to contact their team about and currency exchange rates (past or present), it just might not be viewable on their site immediately.

      Hope this helps!

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