Mid-market rate · 2026-04-24

1 USD = 1,420 KRW

Mid-market rate snapshot: 2026-04-24. Actual charge by your card issuer may differ by ±0.5% depending on the clearing time. Check latest rates

Korean Card Overseas Payment FX Calculator

Effective FX for Korean cards abroad — Visa/Master/JCB brand fees, DCC, TravelWallet in one view

Foreign amount

USD

Mid-market KRW: 142,000원

Currency

Accept DCC (KRW at terminal)(for comparison)

DCC (KRW at the terminal) adds a 5–8% merchant markup. Always choose local-currency payment abroad.

Cheapest: Hana TravelLog (Mastercard Debit)

142,000원

Effective fee 0.00% · extra 0원

Mid-market baseline

142,000원

100 USD · 1 USD = 1,420 KRW

Most expensive: Standard Credit Card (AMEX)

144,343원

2,343원 more than cheapest

KRW charged ranking — 100 USD

Base rate 1,420 KRW

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1
Hana TravelLog (Mastercard Debit)MastercardCheapest
100% fee-free for 42 major currencies; free ATM up to US$500/day.
142,000원
Fee 0.00%
2
Woori WON Plus FX (Mastercard Debit)Mastercard
Fee-free for majors; free ATM withdrawals 3x/month; Master brand fee waived.
142,000원
Fee 0.00%
3
TravelWallet (VISA Debit)VISA
VISA brand fee waived; 0% FX for majors; free ATM up to US$500/month.
142,000원
Fee 0.00%
4
Standard Credit Card (JCB)JCB
JCB brand fee 0% — ~1% cheaper than VISA/Master in Japan & SE Asia.
142,355원
Fee 0.25% · +355원
5
Standard Credit Card (UnionPay)UnionPay
UnionPay brand 0.6% — cheaper for CNY payments in China & SE Asia.
143,207원
Fee 0.85% · +1,207원
6
Standard Credit Card (Mastercard)Mastercard
Master brand 1.0% + issuer markup ~0.18%. Slightly cheaper than VISA.
143,676원
Fee 1.18% · +1,676원
7
Shinhan Card (VISA Credit)VISA
Shinhan VISA 1.0% + 0.18% issuer = 1.18% effective — one of Korea's lowest issuer markups.
143,676원
Fee 1.18% · +1,676원
8
KB Kookmin Card (VISA Credit)VISA
KB Kookmin VISA 1.0% + 0.20% issuer = 1.20% effective. Cashback cards may partially offset.
143,704원
Fee 1.20% · +1,704원
9
Hyundai Card (VISA Credit)VISA
Hyundai VISA 1.0% + 0.20% issuer = 1.20% effective. M·X point double-earn products available.
143,704원
Fee 1.20% · +1,704원
10
Samsung Card (Mastercard Credit)Mastercard
Samsung Mastercard 1.0% + 0.20% issuer = 1.20% effective. Samsung Pay abroad applies same fee.
143,704원
Fee 1.20% · +1,704원
11
Standard Credit Card (VISA)VISA
VISA brand 1.0% + issuer markup ~0.25%. Point-earning cards may offset the cost.
143,775원
Fee 1.25% · +1,775원
12
Lotte Card (VISA Credit)VISA
Lotte VISA 1.0% + 0.25% issuer = 1.25% effective. Check LOCA-point overseas earning cards.
143,775원
Fee 1.25% · +1,775원
13
Standard Credit Card (AMEX)AMEXMost expensive
AMEX brand 1.4% + issuer markup ~0.25%. About 0.4%p more expensive than VISA.
144,343원
Fee 1.65% · +2,343원

Payment→Settlement FX Risk

Card clearing uses the exchange rate 2–4 business days after payment. Rate changes affect your final KRW charge.

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This calculator uses a 2026-04 snapshot of mid-market rates and publicly posted issuer / scheme fees. Actual charges depend on clearing time, card policy, and DCC acceptance. Informational only.