FX savings calculator
What could your FX savings add up to?
Use the savings percentage from the rate comparison tool, or enter your own, then add your annual FX volume. See your potential annual saving and what it could fund in your industry.
Start the calculator- One savings percentage, carried over from your comparison or entered by you.
- Transparent arithmetic: annual volume × savings percentage ÷ 100.
- Your savings percentage, not guessed competitor pricing.
Calculator
Model your annual FX savings
Enter your annual GBP-equivalent volume and one margin savings percentage. If you came from the rate comparison result, your percentage is already filled in.
Illustrative example only
Your actual exchange rate, costs or savings may differ after Ocean Capital Exchange and the relevant provider review your requirements. These figures are not a live rate or a binding quote.
Indicative result
Enter your annual volume, margin savings percentage to see the comparison.
0 of 2 required figures entered
How this is worked out, and what it leaves out
Annual saving = annual GBP-equivalent FX volume × margin savings percentage ÷ 100. Monthly saving is one twelfth of that. For example, £2,000,000 × 0.7% = £14,000 a year. A quote comparison supplies the effective percentage cost saving for buying the same currency amount; entered margin differences are percentage-point gaps. Neither establishes either provider’s individual margin. The projection assumes the same saving across your annual volume; actual rates depend on pair, size, timing and eligibility.
Margin-only model on GBP-equivalent volume. No separate individual transfer fees are modelled; third-party or intermediary bank charges may apply and are excluded. Indicative, not guaranteed, and not a quote.
What the same saving could fund instead
Want a figure based on your actual trades?
A dealer can compare your real transaction history rather than assumptions.
- Savings are indicative, not guaranteed.
- Actual rates depend on currency pair, transaction size, timing and eligibility. Third-party or intermediary bank charges may apply in particular circumstances.
- The savings percentage is an illustrative assumption for annual planning, not a live quote or guaranteed saving.
- Industry cost comparisons are illustrative and may change.
- Calculations do not constitute financial advice or a binding offer.
Method
How the calculation works
An FX margin is the difference between the rate you are given and the underlying market rate, expressed as a percentage. On a year of conversions, even a fraction of a percent adds up.
This calculator applies one savings percentage to your annual GBP-equivalent volume. Annual saving = annual volume × savings percentage ÷ 100. The monthly equivalent is one twelfth of that. You do not need to enter current and new margins separately.
The rate comparison tool carries over the effective percentage cost saving for buying the same currency amount, not the relative increase in currency received. If you compared known margins, it carries over their percentage-point difference. These are annual planning assumptions: actual savings vary by pair, size and timing, and neither figure establishes either provider’s individual margin.
- Annual FX volume
- £2,000,000.00
- Illustrative margin savings
- 0.7%
- Annual saving
- £14,000.00
- Monthly equivalent
- £1,166.67
Questions about the calculator
How are annual FX savings calculated?
Annual saving is your annual GBP-equivalent FX volume multiplied by your margin savings percentage, divided by 100. Monthly saving is one twelfth of that. For example, £2 million of annual volume with a 0.7% saving gives £14,000 per year. Third-party or intermediary bank charges are excluded.
Can I use my rate comparison result?
Yes. Click Calculate annual FX savings on the rate comparison result to carry the savings percentage into this calculator in the same browser tab. Rate quotes supply the effective reduction in source-currency cost for buying the same amount; known margin differences supply the percentage-point gap. You only need to add your annual GBP-equivalent volume. If browser storage is blocked, enter the percentage manually.
Is the savings percentage a quote?
No. It is an editable assumption for annual planning, not a live quote or a verified individual provider margin. The projection assumes the same saving across annual volume. Actual rates depend on currency pair, transaction size, timing and eligibility, and are confirmed when quoted.
Where do the industry cost comparisons come from?
They work automatically from your annual saving, with no extra figures to enter. Named equipment and materials use dated example listings, not industry averages. Staff hours use the adult National Living Wage and salary percentages use the ONS UK full-time median. Advertising is simply an alternative allocation of the saving, not a forecast of clicks or customers. Sources, VAT treatment and assumptions are shown with each example; these are not live quotes or guarantees.
Are the comparisons added together?
No. Each comparison shows one alternative use of the same annual saving. They are not a combined basket.
Why is the wage comparison not my cost of employing someone?
The National Living Wage reference is gross hourly pay only: £12.71 for workers aged 21 and over from April 2026. It excludes employer National Insurance, pension contributions and other employment costs. It is a statutory minimum, not an average bartender or specialist wage; actual staffing costs can be higher.
What happens if I use the enquiry form?
You complete Ocean Capital Exchange's hosted Zoho enquiry form, with separate first and last name fields. Zoho handles submission and its confirmation. You can enquire without completing the calculator. Calculator figures are not automatically sent through the form; you can copy the summary and keep it to hand when our team contacts you.