Free tool

What is your bank really charging you?

Banks often build a margin into the exchange rate, on top of the transfer fee. Enter a recent payment to see what it may have cost you.

For a payment you have already made. Zentra does not quote rates. Your figures stay in your browser.

1. Direction

2. The payment

Amount you paid in pounds (£)

Currency the recipient received

Amount they received

Transfer fee you paid (£) · Optional

Date of the payment

3. The reference rate

Reference rate (1 GBP = … USD)

This is the European Central Bank’s daily reference rate, a close approximation of the mid-market rate. Rates move through the day, so treat the result as an estimate. You can type your own rate instead.

4. How often

How many payments like this do you make each month?