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FX live, 150 of 153 currencies refreshed 28 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Google · launched 2015
Tokenised wallet on card rails in most markets, and a UPI front-end in India where the merchant rate is zero for person-to-merchant UPI.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Underlying card rate; no incremental Google fee.
In force since 8 Apr 2024
3.32% effective
−4.7% relative · from 3.04%
−19.0% relative · 4 revisions
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
8 Apr 2024 → current
2 Aug 2022 → 8 Apr 2024
24 Nov 2020 → 2 Aug 2022
Online pricing across every country where this method is available, with the cost on a A$100.00 payment for comparison.
1 Jan 2019 → 24 Nov 2020
| France |
| 2.9% + €0.26 |
| €3.16 |
| 3.16% |
| 4 Jun 2025 |
| Estimate |
| Germany | 2.9% + €0.26 | €3.16 | 3.16% | 24 Dec 2024 | Estimate |
| India | No fee | ₹0.00 | 0% | 1 Jan 2019 | Estimate |
| Poland | 2.9% + PLN 1.14 | PLN 4.04 | 4.04% | 24 Jan 2025 | Estimate |
| Singapore | 2.9% + SGD 0.38 | SGD 3.28 | 3.28% | 2 Sept 2023 | Estimate |
| South Africa | 2.9% + ZAR 4.88 | ZAR 7.78 | 7.78% | 28 Nov 2023 | Estimate |
| Spain | 2.9% + €0.26 | €3.16 | 3.16% | 29 Nov 2021 | Estimate |
| United Kingdom | 2.9% + £0.22 | £3.12 | 3.12% | 25 May 2025 | Estimate |
| United States | 2.9% + $0.30 | $3.20 | 3.20% | 13 Jun 2024 | Estimate |