Foreign Currency Exchange Adjustment

The descriptor “$12.25 USD = €10.00 EUR” is not a merchant name but a notation your card network or bank uses to show how a foreign-currency transaction was converted from euros to U.S. dollars. When you make a purchase abroad or online in a different currency, the card network (Visa, Mastercard, etc.) and your issuing bank apply an exchange rate—sometimes plus a small foreign transaction fee—and post the converted amount to your account.

This charge usually appears alongside the actual merchant charge in the original currency or immediately below/above it as a separate informational line. In many cases, the line with the currency math (like “$12.25 USD = €10.00 EUR”) reflects the converted total in your billing currency (USD) for a single purchase of €10.00. It can also be associated with dynamic currency conversion (DCC) if you chose (or a terminal defaulted to) charging your card in your home currency at the point of sale. The important point is that this line is part of the same transaction with the underlying merchant, not a standalone company.

If you have questions about this charge, first locate the adjacent transaction that shows the merchant name (e.g., a restaurant, hotel, or online store) and the amount in euros. Compare the posted exchange rate to mid-market rates from the transaction date and review your card’s foreign transaction fee policy in your bank or card-issuer app. To resolve disputes or clarify fees, contact the customer service number on the back of your card; provide the date, the euro amount, and the descriptor exactly as it appears so the bank can confirm whether the rate and any fees were applied correctly.