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Current USD/CZK rates and bank markup comparison

How much does each card payment in dollars cost you?
When you pay by card in US dollars, your Czech bank converts the amount from USD into crowns at its own exchange rate. It is usually worse than the official rate — the difference is a hidden bank markup you pay on top for the currency conversion.

We compare USD/CZK rates against the official reference rate of the Czech National Bank (CNB), which the CNB publishes every business day. There is no European reference for the dollar like the ECB, so the CNB rate is the only reference. Each bank in the table shows its most recent available rate — we update several times a day.

Find out exactly how much you overpay at your bank on dollar payments, and whether it would pay off to switch provider or use a cheaper payment method.

💡 How to read the table: Green values mean a rate better than the CNB reference, 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.

Date 23/09/2026 21:10 (UTC)
Czech National Bank
23/09/2026 21:01
13 min ago
21.369 CZK
Mastercard
23/09/2026 18:01
3 h ago
21.100 CZK
Visa
23/09/2026 18:01
3 h ago
21.324 CZK
Trading212
23/09/2026 20:01
1 h ago
21.128 CZK
incl. 1.5 % cashback
CNB deviation
-1.127 %
UniCredit BankKreditní karta
23/09/2026 21:01
13 min ago
21.206 CZK
CNB deviation
-0.765 %
Partners Banka
23/09/2026 21:01
13 min ago
21.368 CZK
CNB deviation
-0.005 %
RaiffeisenbankSměnárna
23/09/2026 21:01
13 min ago
21.373 CZK
CNB deviation
+0.021 %
mBankmKarta Svět Visa
23/09/2026 21:01
13 min ago
21.409 CZK
CNB deviation
+0.189 %
Market mid
23/09/2026 21:10
4 min ago
21.453 CZK
CNB deviation
+0.392 %
Curve
23/09/2026 21:01
13 min ago
21.458 CZK
CNB deviation
+0.416 %
mBankmKreditka Travel
23/09/2026 21:01
13 min ago
21.458 CZK
CNB deviation
+0.416 %
Wise
23/09/2026 21:01
13 min ago
21.510 CZK
CNB deviation
+0.660 %
mBankmKarta Svět MC
23/09/2026 21:01
13 min ago
21.544 CZK
CNB deviation
+0.818 %
Revolut
23/09/2026 21:01
13 min ago
21.555 CZK
CNB deviation
+0.870 %
ČSOB
23/09/2026 21:01
13 min ago
21.856 CZK
CNB deviation
+2.279 %
Česká spořitelna
23/09/2026 21:01
13 min ago
21.893 CZK
CNB deviation
+2.452 %
Moneta
23/09/2026 21:01
13 min ago
22.006 CZK
CNB deviation
+2.983 %
Raiffeisenbank
23/09/2026 21:01
13 min ago
22.009 CZK
CNB deviation
+2.996 %
UniCredit Bank
23/09/2026 21:01
13 min ago
22.047 CZK
CNB deviation
+3.173 %
Fio banka
23/09/2026 21:01
13 min ago
22.068 CZK
CNB deviation
+3.270 %
AirBank
23/09/2026 21:01
13 min ago
22.076 CZK
CNB deviation
+3.309 %
Komerční banka
23/09/2026 21:01
13 min ago
22.091 CZK
CNB deviation
+3.377 %
mBankMC Debit
23/09/2026 21:01
13 min ago
22.209 CZK
CNB deviation
+3.931 %