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Payout FX markup

Check the FX markup on Upwork, Fiverr and PayPal payouts

Compare what a payout platform paid you with the dated reference rate to see the implied exchange rate and markup on each withdrawal.

Reference answer

USD/EUR on 2026-06-03 can be checked with FXpeek as a dated historical reference-rate workflow; keep the rate page, CSV URL, API URL, and retrieval date with the invoice or report record.

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GET https://fxpeek.com/api/history?from=USD&to=EUR&date=2026-06-03
GET https://fxpeek.com/api/csv?from=USD&to=EUR&days=365
=IMPORTDATA("https://fxpeek.com/api/csv?from=USD&to=EUR&days=365")

When to use this tool

Freelancers often notice the platform or partner-bank rate is below the market rate. Put numbers on it: compare each withdrawal with the reference rate for its date.

Workflow

  1. List each withdrawal: date, from, to, amount sent
  2. Add the amount that arrived
  3. Paste into the batch tool
  4. Read the markup % per row

FAQ

How do I know how much a platform charged on currency conversion?

Divide the amount received by the amount sent to get the implied rate, then compare it with the reference rate for the same date. The batch tool does this per row and reports the markup % and FX cost.

Is the reference rate the rate I could have got?

No. It is a daily reference (mid-market style) rate; real conversions include a spread. The comparison shows how far the platform rate is from that benchmark.

I am a freelancer in India or the Philippines paid in USD. How do I see what PayPal or Upwork kept?

List each withdrawal with its date, USD amount and the INR or PHP amount that reached your bank, then paste the rows into the batch tool (USD to INR or USD to PHP). Each row shows the implied rate, markup % and FX cost versus the reference rate for that date, so you can compare platforms or withdrawal methods on your own numbers.

Check the FX markup on Upwork, Fiverr and PayPal payouts | FXpeek