Overseas Shopping True Card Bill Calculadora
Overseas Shopping True Card Bill Calculadora grátis online. Ferramenta de calculadora instantânea no navegador. Sem cadastro.
Local checkout amount
Portal mid-market FX is not your card bill. Add item + shipping, then layer TTS markup and the overseas card fee — plus the Korea duty-free limit.
FX · card fees
Paste a bank mid-market quote, or load ECB spot and add your issuer’s TTS spread.
Como usar
How it works
The mid-market FX on a portal is not what your Korean card prints. Issuers convert at the telegraphic transfer selling rate (TTS), then add an overseas usage fee (typically 1.0–1.25%, default 1.2%). Yen or euro merchants may also settle in USD first — a double conversion. This calculator stacks those layers so you see the true KRW on the statement.
It also checks Korea’s personal-import duty-free (list clearance) cap. CIF (item + international shipping) over US $200 from the United States or $150 from anywhere else triggers estimated simplified duty plus 10% VAT — billed separately from the card.
- Pick origin — United States, Japan, Europe, UK, China, Southeast Asia. Cap and currency change with the lane.
- Item + shipping — stay in local currency. Shipping counts toward the customs value.
- Category rate — apparel 13%, beauty 6.5%, bags/electronics 8%, and other 직구-style presets.
- FX layers — paste a published mid-market rate or load ECB spot, then add TTS spread, card fee, and optional double FX.
- Copy or CSV — statement KRW, extra versus the portal, remaining duty-free dollars, and the max item that still clears.
When you are still under the cap, the page reverses the leftover CIF room into a local-currency max item (shipping held constant). When you are over, it shows how many USD you exceeded and estimated simplified duty + 10% VAT — billed separately from the card.
Everything runs in the browser. Nothing is uploaded. TTS and Korea Customs applied rates move daily, so treat the numbers as an estimate, not a customs ruling.
FAQ
Why is the overseas-shopping actual payment higher than the portal?
Portals omit issuer markup. TTS is usually 1.5–2% above mid-market, and the overseas card fee adds about 1.2%. Non-USD checkouts can add another network conversion.
Does the duty-free limit include shipping?
Yes. The list-clearance cap is CIF (goods + insurance + international freight). A $140 item plus $20 shipping can break the $150 non-US limit. US-origin shipments use $200.
How do you convert the card overseas fee?
Local total × TTS gives KRW, then 1.2% (editable) of that KRW is the overseas usage fee. Some premium cards waive the issuer portion and leave only the ~0.2% network fee.
When should I turn on double conversion?
Turn it on when a JPY/EUR/GBP/CNY merchant settles in USD through Visa or Mastercard. Turn it off for a native USD checkout. Dynamic currency conversion (the shop bills KRW) can be worse still.
Will duty and VAT appear on the same card statement?
Usually no. The card shows only the merchant charge. Duty and VAT arrive later from Customs or the courier. When you are over the cap, this tool keeps those lines separate so you see true landed KRW.
How much more can I add before duty?
The remaining CIF dollars are cap − (item + shipping) in USD. Holding shipping fixed, the max item before duty is that leftover converted back to local currency. A $100 US item with $20 shipping against a $200 cap leaves $80 and a $180 max item.
Typical vs fee-waived card?
Most Korean debit/credit cards charge about 1.0% issuer + 0.2% network = 1.2%. Some premium products waive the issuer slice and leave ~0.25%. Pick a preset or type your card’s disclosed overseas-usage fee. It is a typical list rate, not a contract.