Visa exchange rates: What you need to know

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Nabil

Jan 2, 2019

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

Visa 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 Visa’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.

Visa 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. Visa 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 Visa 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 Visa’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 Visa offers
  4. Subtract the first amount from the second amount
  5. This is the amount you’ll lose through currency conversion with Visa

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.
 

Visa 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 Visa 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 1.13611 1.13905 0.26%
United States Dollar USD 1.29493 1.2971 0.17%
Canadian Dollar CAD 1.696580203 1.70025 0.22%
Afghanistan Afghani AFN 96.21294 97.26124 1.08%
Albanian Lek ALL 141.3934 142.5582 0.82%
Algerian Dinar DZD 153.2496 154.732 0.96%
Angolan Kwanza AOA 400.1403 401.2791 0.28%
Argentine Peso ARS 45.87851 46.03111 0.33%
Armenian Dram AMD 628.0397 631.5236 0.55%
Aruban Florin AWG 2.317926 2.32192 0.17%
Australian Dollar AUD 1.793616 1.80164 0.45%
Azerbaijanian Manat AZN 2.192318 2.20518 0.58%
Bahamian Dollar BSD 1.29493 1.29716 0.17%
Bahraini Dinar BHD 0.488189 0.48773 -0.09%
Bangladeshi Taka BDT 108.3596 108.6828 0.30%
Barbados Dollar BBD 2.576908 2.59433 0.67%
Belarussian Ruble BYN 2.741364 2.74998 0.31%
Belarussian Ruble BYR 27,413.63 27499.84 0.31%
Belize Dollar BZD 2.567197 2.61417 1.80%
Bermudian Dollar BMD 1.29493 1.29716 0.17%
Bhutanese Ngultrum BTN 93.79473 94.58444 0.83%
Bolivian Boliviano BOB 8.883195 8.99582 1.25%
Bosnian Convertible Mark BAM 2.210608 2.22788 0.78%
Botswana Pula BWP 13.83472 13.87341 0.28%
Brazilian Real BRL 4.787101 4.796 0.19%
Brunei Dollar BND 1.773714 1.78464 0.61%
Bulgarian Lev BGN 2.210608 2.22788 0.78%
Burundi Franc BIF 2,302.45 2284.277 -0.80%
Cabo Verde Escudo CVE 124.6287 125.6084 0.78%
Cambodian Riel KHR 5,265.85 5248.32 -0.33%
Cayman Islands Dollar KYD 1.08 1.06367 -1.45%
CFA Franc BCEAO XOF 741.4 747.182 0.77%
CFA Franc BEAC XAF 741.4047 747.182 0.77%
CFP Franc XPF 134.8767 135.9274 0.77%
Chilean Peso CLP 888.1002 889.62 0.17%
Chinese Yuan Renminbi CNY 8.936098 8.93739 0.01%
Colombian Peso COP 4,135.74 4131.463 -0.10%
Comoro Franc KMF 556.0551 560.3998 0.78%
Congolese Franc CDF 2,102.96 2037.194 -3.23%
Costa Rican Colon CRC 792.46 800.2001 0.97%
Croatian Kuna HRK 8.443342 8.4496 0.07%
Czech Koruna CZK 29.26 29.10754 -0.54%
Danish Krone DKK 8.475295 8.4993 0.28%
Djibouti Franc DJF 229.8502 230.8949 0.45%
Dominican Peso DOP 64.76 65.0527 0.45%
Egyptian Pound EGP 23.10506 23.20948 0.45%
El Salvador Colon SVC 11.33 11.34937 0.17%
Eritrean Nakfa ERN 19.42394 19.45744 0.17%
Ethiopian Birr ETB 35.9 36.3919 1.36%
Falkland Islands Pound FKP 1 1 0.00%
Fiji Dollar FJD 2.721013 2.77139 1.82%
Gambian Dalasi GMD 59.34656 64.20955 7.57%
Georgian Lari GEL 3.5 3.52439 0.80%
Ghana Cedi GHS 6.241559 6.21678 -0.40%
Gibraltar Pound GIP 1 1 0.00%
Guatemalan Quetzal GTQ 9.99 10.00826 0.18%
Guinea Franc GNF 11,706.22 11776.94 0.60%
Guyana Dollar GYD 270.7178 271.8723 0.42%
Haitian Gourde HTG 93.58 91.64454 -2.11%
Honduran Lempira HNL 31.17 31.26291 0.31%
Hong Kong Dollar HKD 10.11911 10.13973 0.20%
Hungarian Forint HUF 364.6139 366.4004 0.49%
Iceland Krona ISK 156.2593 157.4685 0.77%
Indian Rupee INR 93.79 94.58444 0.83%
Indonesian Rupiah IDR 19,449.84 19399.07 -0.26%
Iraqi Dinar IQD 1,536.34 1543.624 0.47%
Jamaican Dollar JMD 164.7798 165.505 0.44%
Japanese Yen JPY 146.31 146.8455 0.36%
Jordanian Dinar JOD 0.91681 0.91969 0.31%
Kazakhstani Tenge KZT 480.3794 481.1111 0.15%
Kenyan Shilling KES 131.1764 131.4026 0.17%
Kuwaiti Dinar KWD 0.392869 0.39447 0.41%
Kyrgyzstani Som KGS 90.04951 90.48837 0.48%
Laotian Kip LAK 11,031.95 11091.38 0.54%
Lebanese Pound LBP 1,943.69 1955.473 0.60%
Lesotho Loti LSL 18.40281 18.54225 0.75%
Liberian Dollar LRD 202.9025 203.901 0.49%
Libyan Dinar LYD 1.804614 1.81214 0.42%
Macau Pataca MOP 10.43028 10.44392 0.13%
Macedonian Denar MKD 69.75 69.78735 0.06%
Malagasy Ariary MGA 4,587.22 4478.447 -2.43%
Malawian Kwacha MWK 932.2616 946.8379 1.54%
Malaysian Ringgit MYR 5.384212 5.39944 0.28%
Maldivian Rufiyaa MVR 19.96783 20.32654 1.76%
Mauritanian Ouguiya MRO 462.94 465.0328 0.45%
Mauritius Rupee MUR 44.57851 45.59526 2.23%
Mexican Peso MXN 25.75899 25.98478 0.87%
Moldovan Leu MDL 22.11 22.19056 0.37%
Mongolian Tugrik MNT 3,303.37 3309.71 0.19%
Moroccan Dirham MAD 12.28 12.35742 0.66%
Mozambique Metical MZN 77.9 78.59508 0.88%
Myanmar Kyat MMK 2,071.89 2076.756 0.23%
Namibia Dollar NAD 18.4 18.54225 0.75%
Nepalese Rupee NPR 150.0716 152.0445 1.30%
Neth. Antillean Guilder ANG 2.317926 2.31868 0.03%
New Israeli Sheqel ILS 4.780227 4.78671 0.14%
New Taiwan Dollar TWD 39.51 39.7234 0.54%
New Zealand Dollar NZD 1.934946 1.94851 0.70%
Nicaraguan Cordoba Oro NIO 41.53678 41.83349 0.71%
Nigerian Naira NGN 470.5517 470.87 0.07%
Norwegian Krone NOK 10.80731 10.85389 0.43%
Omani Rial OMR 0.498341 0.49876 0.08%
Pakistan Rupee PKR 171.397 173.5863 1.26%
Papua New Guinean Kina PGK 4.238723 4.32739 2.05%
Paraguayan Guarani PYG 7,725.58 7753.141 0.36%
Perubian Nuevo Sol PEN 4.34 4.34705 0.06%
Philippine Peso PHP 68.78011 68.89877 0.17%
Polish Zloty PLN 4.898095 4.87242 -0.53%
Qatari Rial QAR 4.71355 4.72167 0.17%
Romanian Leu RON 5.29 5.30876 0.42%
Russian Ruble RUB 84.81334 86.43788 1.88%
Rwanda Franc RWF 1,120.22 1129.738 0.84%
Saint Helena Pound SHP 1 1 0.00%
Samoan Tala WST 3.29 3.46087 4.99%
Sao Tomean Dobra STD 27,805.27 27887.03 0.29%
Saudi Riyal SAR 4.856947 4.86436 0.15%
Serbian Dinar RSD 134.18 134.2845 0.08%
Seychelles Rupee SCR 17.97 18.03315 0.35%
Sierra Leonean Leone SLL 10,714.04 11149.11 3.90%
Singapore Dollar SGD 1.773714 1.78464 0.61%
Solomon Islands Dollar SBD 10.05 10.6763 5.90%
Somali Shilling SOS 744.585 752.3544 1.03%
South African Rand ZAR 18.47835 18.53978 0.33%
South Korean Won KRW 1,437.63 1449.061 0.79%
Sri Lanka Rupee LKR 225.45 226.1603 0.32%
Sudanese Pound SDG 61.50956 61.75959 0.40%
Surinam Dollar SRD 9.621294 9.61846 -0.03%
Swazi Lilangeni SZL 18.40281 18.53978 0.74%
Swedish Krona SEK 11.70702 11.75177 0.38%
Swiss Franc CHF 1.296632 1.30138 0.36%
Syrian Pound SYP 667.2764 668.2899 0.15%
Tajikistani Somoni TJS 12.20354 12.21941 0.13%
Tanzanian Shilling TZS 2,963.77 2974.99 0.38%
Thai Baht THB 42.42 42.60443 0.42%
Tongan Pa’anga TOP 2.82 3.04633 7.32%
Trinidad and Tobago Dollar TTD 8.660986 8.79069 1.48%
Tunisian Dinar TND 3.71 3.72991 0.43%
Turkish Lira TRY 7.014689 7.04288 0.40%
Turkmenistan New Manat TMT 4.52 4.53998 0.43%
UAE Dirham AED 4.76 4.76383 0.17%
Uganda Shilling UGX 4,843.03 4916.79 1.50%
Ukrainian Hryvnia UAH 36.32475 36.53578 0.58%
Uruguayan Peso UYU 42.48402 42.81846 0.78%
Uzbekistan Sum UZS 10,659.71 10670.24 0.10%
Vanuatu Vatu VUV 142.84 144.9809 1.47%
Vietnamese Dong VND 30,230.20 30268.73 0.13%
Yemeni Rial YER 323.7325 324.1543 0.13%
Zambian Kwacha ZMW 15.31255 15.43653 0.80%

How we collect our data & advertiser disclosure

Visa’s exchange rate was collected from Visa’s website on 03/11/2018. Interbank rates collected from x-rates.com on 03/11/2018. 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 Visa’s website, contact Visa’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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