Reference rates
Exchange rate reference
Retail bank counters set their own daily over-the-counter spreads. Use these benchmark comparisons as an independent point of reference before you visit a branch.
Before you visit
Preparing for a bank exchange
Local branches apply their own retail spreads and teller fees, so confirm the details before you go.
Check currency availability
Call or check the branch in advance to confirm it holds the foreign currency you need, as availability varies by location.
Bring identification
Most branches require valid photo identification and may ask for proof of travel or account details for the transaction.
Review the fee schedule
Ask about teller fees and the spread applied on the day, since these can differ from the benchmark figures shown here.
Why figures differ
Reference benchmarks and final cash
Benchmark rates offer a neutral figure for comparing currencies, but they are not the rate you will receive at a counter. Branch spreads, teller fees, and daily conditions all shape the final amount handed over in cash.
Treat the converted figure as a planning estimate. Use it to set a realistic budget, then confirm the exact terms with your bank before completing any exchange.