KR FX Effective Rate Comparator

1. 1

   Hana TravelLog CardBest

   100% fee-free for 42 major currencies; free ATM up to US$500/day.

   724.64 USD

   Fee 0.00%
2. 2

   Woori WON Plus FX

   Fee-free for majors; free ATM withdrawals 3x/month.

   724.64 USD

   Fee 0.00%
3. 3

   Bank Branch (90% off)

   Reachable with main-bank VIP status or travel event coupon.

   723.37 USD

   Fee 0.17% · −1,750원
4. 4

   EXK Card (Shinhan)

   ATM-only debit card — cannot be used for direct POS payments.

   722.46 USD

   Fee 0.30% · −3,000원
5. 5

   Myeongdong Private Exchange

   Tourist zone competition — cheapest USD & JPY in Korea.

   721.01 USD

   Fee 0.50% · −5,000원
6. 6

   Bank Branch (50% off)

   Typical 50% off coupon via mobile app or airport branch.

   718.3 USD

   Fee 0.88% · −8,750원
7. 7

   Credit Card Overseas (VISA/Master)

   No exchange needed; point-earning cards may offset the spread.

   717.39 USD

   Fee 1.00% · −10,000원
8. 8

   Credit Card Overseas (AMEX)

   Brand fee ~1.4% — slightly more expensive than VISA/Master.

   714.49 USD

   Fee 1.40% · −14,000원
9. 9

   Bank Branch (No preferential)

   Baseline for walk-in customers without preferential rate.

   711.96 USD

   Fee 1.75% · −17,500원
10. 10

    Incheon Airport ExchangeWorst

    Emergency only — spread is 2–3x typical bank rates.

    695.65 USD

    Fee 4.00% · −40,000원

By method (effective spread) · USD

Estimates assume 50% bank preferential rate vs mid-market. Actual could be lower with VIP coupons.

Travel budget calculator

Multiply trip days by daily budget to estimate total exchange amount.