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Understand what you're being charged

Short, practical guides on how rates are set and where the fees hide. No jargon, no sales pitch.

5 min read
How exchange rates work
What the mid-market rate is, why the number moves all day, and why two apps can quote you differently at the same moment.
4 min read
Mid-market rate vs the rate your bank gives you
The spread is the hidden fee. How to spot it in a quote and compare providers on a like-for-like basis.
6 min read
How to avoid unnecessary currency conversion fees
Card fees, ATM fees, weekend markups and conversion spreads — where the money actually goes and what to do instead.
4 min read
Dynamic currency conversion: always pay in local currency
Why the card machine offers to charge you in your home currency, and why saying yes usually costs more.