Currency conversion fees: what do you pay on deposits and withdrawals?

Funding in one currency and trading in another adds conversion costs that compound quietly. Brokers' conversion rates and fees differ meaningfully.

Currency conversion fees: what do you pay on deposits and withdrawals? — bid-ask spread diagram
The bid-ask spread on a currency pair

Share:

  • your account and funding currencies
  • the conversion rate or fee your broker applies
  • how it affects your bottom line
Currency conversion fees: what do you pay on deposits and withdrawals? — risk-reward diagram
A risk-reward ratio of 1 to 2

The trading costs guide covers conversion as a cost layer.

Background: The real cost of a forex trade: spread, commission and swap

Every trade has costs, and they are easy to underestimate. Here is how to add up the spread, commission and overnight swap on a position.

What is a spread in forex?

The difference between the bid (sell) and ask (buy) price. You pay it every time you open a trade, and it widens when the market is less liquid.

Is a raw spread account cheaper?

Not automatically. Add the spread and the round-trip commission together and compare the total with a spread-only account's typical spread on the pairs you trade.

Read the full guide

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