Current EUR, USD, HUF and PLN rates and bank markup comparison
We compare the EUR/CZK, USD/CZK, HUF/CZK and PLN/CZK rates of Czech banks against the ECB and CNB reference rates, so you can see how much a bank charges when you pay by card from a CZK account in a foreign currency — abroad or online. The toggle above the table switches between EUR/CZK, USD/CZK, HUF/CZK and PLN/CZK; the forint rate is quoted per 100 HUF.
How to read the table: Green values mean a rate better than the reference (ECB for the euro, CNB for the dollar, forint and zloty), red values mean you overpay. The higher the red number, the bigger your loss.
Yellow rows mean the rate's date in the table is not today (e.g. the last business day, a weekend or a holiday, or the bank has not published a rate for the current day yet). They follow the rate date, not the time of our last fetch.
Best latest EUR/CZK rate (23/09/2026 21:10)
Of all tracked banks, the best rate for paying in euros Partners Banka at a rate of 24.383 CZK
This rate is the same as the ECB reference rate.
📈 View rate history for Partners BankaBest effective EUR/CZK rate
With bonuses factored in, the best option is Trading212 with cashback +1.500 %.
Effective rate: 24.054 CZK
By +1.351 % better than ECB
Quick bank-markup calculator (EUR/CZK)
Calculator for converting EUR to CZK at the ECB reference rate
When you pay in a foreign currency, the bank converts the amount into crowns at its own rate, which tends to be worse than the reference. That difference — the bank markup — is roughly 1 to 3.5 % on ordinary cards. On a 1,000 € payment that can be hundreds of crowns more than the ECB rate. We update the rates several times a day.
Want to know what a specific amount will cost? In the bank-markup calculator you enter an amount in euros or dollars and see the final price in crowns, fees included.
How do bank markups on card payments abroad work?
The currency-conversion process
When you pay by card in a foreign currency (euros or dollars, for example), your Czech bank automatically converts the amount into crowns at its own exchange rate. That rate is usually worse than the official reference rate — the European Central Bank (ECB) rate for the euro, the Czech National Bank (CNB) rate for the dollar.
The difference between the bank rate and the reference rate is the bank markup — a hidden fee the bank charges for the currency conversion. At some banks this markup reaches 5 % of the transaction amount.
How rates are updated
Our app automatically updates the rates from every major Czech bank at regular intervals throughout the day. The only colour coding in the table is in the deviation columns (deviation from ECB / CNB): green text = a rate better than the reference, red text = you overpay.
If a bank has not published today's rate yet, we show the last known rate with a note on the date. All data is in UTC time for maximum accuracy.
How to read the comparison
Green value
A rate better than the reference (ECB / CNB). The bank offers better terms than the official rate.
Red value
An unfavourable rate with a markup. The higher the percentage, the more you overpay.
Reference banks
ECB and CNB — these rates are the benchmark for calculating the markups.
How to save on conversion fees
- Pick the bank with the lowest markup in our comparison
- Use the calculator to work out the exact saving on specific payments
- Consider alternative payment methods
- Check the rates regularly — markups can change