mid-market vs bank rate

Spread, Markups & Weekend Charges You can be a disciplined traveler, a careful investor, and still lose 3–5% of every cross-border payment to hidden FX costs. The culprit isn’t only the obvious “fee”—it’s the spread (the gap between the real mid-market rate and the one you’re given), plus weekend markups, card surcharges, and the notorious […]