Free calculator
FX fee calculator for US stocks
Every pound-to-dollar conversion pays a fee that rarely makes the headline fee page. Here is what each typical tier costs across years of contributions.
| FX fee tier | Fees paid | True cost with lost growth |
|---|---|---|
| 0.15% (cheapest tier) | £180 | £331 |
| 0.5% (mid tier) | £600 | £1,104 |
| 1.0% (common full-service) | £1,200 | £2,207 |
| 1.5% (worst common tier) | £1,800 | £3,311 |
The FX fee is charged converting pounds to dollars on every purchase (and back on every sale and dividend, which this deliberately understates). It rarely appears on the fee page's headline. Tiers above are typical of the UK market as of July 2026; check your platform's published FX rate and do this arithmetic before assuming a "free" broker is free for US investing. One workaround: GBP-denominated global funds convert institutionally at rates you will never match retail.
The tier table at your numbers, saved.
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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.