You completed a payment.
The price looked correct at checkout.
But when the charge appeared on your card, the amount was higher.
This often happens when foreign exchange fees are added.
The payment amount did not change — the currency conversion cost did.
Why the Charged Amount Increased
- Card issuer foreign transaction fees
- Currency conversion service charges
- International payment network processing fees
- Dynamic currency conversion markups
These costs apply separately from the product price.
How Currency Fees Are Applied
- The merchant charges in foreign currency
- Your card network converts the amount
- The issuing bank adds a transaction fee
- The final billed amount increases
Exchange fees typically range between 1% and 3%.
How to Check the Fee Breakdown
- Review your card statement details
- Check the exchange rate applied
- Look for foreign transaction fee entries
- Compare authorization vs posted charge
How to Reduce Future Conversion Fees
- Use cards with no foreign transaction fees
- Pay in the merchant’s local currency
- Avoid dynamic currency conversion options
- Check issuer international fee policies
Higher billed amounts usually come from exchange fees — not billing errors.