Foreign Currency Exchange Conversion

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This is not a specific merchant but a foreign currency exchange conversion line item showing the exchange rate applied to a transaction made in another currency.

Varies by card network/bank (not a single company)

About Foreign Currency Exchange Conversion

The descriptor "1 USD = $0.8165 EUR" is not the name of a store, website, or service provider. It is a foreign currency exchange conversion line that appears on your card or bank statement when you make a purchase or cash withdrawal in a different currency. In this case, it indicates that for every 1 US dollar (USD), 0.8165 euros (EUR) were used in calculating the final charge amount.

This type of line usually appears alongside the actual merchant charge. For example, you might see a hotel or restaurant name in Europe with an amount in EUR and a separate line showing how that amount was converted into USD using a specific rate (here, 1 USD = 0.8165 EUR) plus any network or bank fees. It can also appear when refunds, reversals, or pre-authorizations are processed in a foreign currency and then converted back to your account’s home currency.

If you have questions about this entry, the right contact is your card issuer or bank, not a merchant. You can verify the charge by matching the date and foreign-currency amount to a specific transaction (receipt, booking confirmation, or email from the actual merchant). Your bank’s customer service can provide a breakdown of the exchange rate used, any separate foreign transaction fees, and can investigate if the conversion seems incorrect or unfamiliar.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Foreign Currency Exchange Conversion.

  1. 1 USD = $0.8165 EUR

Frequently Asked Questions

Is "1 USD = $0.8165 EUR" a charge from a specific merchant?

No. This line is not a merchant; it is a currency conversion entry showing the exchange rate your bank or card network used to convert a foreign-currency transaction into USD.

Why do I see a separate line that says "1 USD = $0.8165 EUR" on my statement?

That line accompanies a foreign purchase or ATM transaction. It documents the exchange rate used to convert the original amount in EUR to the amount you were billed in USD, sometimes in addition to a separate foreign transaction fee.

How can I find which transaction this exchange rate line relates to?

Check transactions on the same posting date and look for a nearby charge in EUR (or another foreign currency). Match the converted USD amount and date with receipts or email confirmations from your trip or online foreign purchase.

Can I be refunded for an unfavorable exchange rate like 1 USD = 0.8165 EUR?

Banks and card networks typically do not refund normal exchange-rate differences, as rates fluctuate daily. However, if you suspect an error or duplicate conversion, contact your bank to dispute or request clarification.

Why does the converted amount on my statement differ slightly from the rate I saw online that day?

Card networks use wholesale or network rates that may differ from public mid-market rates, and your bank may add its own margin or foreign transaction fee. These factors can cause the effective rate (such as 1 USD = 0.8165 EUR) to differ from rates you see on currency websites.

Who should I contact if I don’t recognize a charge associated with this currency conversion line?

Contact the customer service number on the back of your card or log into your online banking and use secure messaging. Provide the date, converted USD amount, and any foreign-currency details so your bank can identify the underlying merchant transaction.

Can authorization holds in foreign currency also show a rate like 1 USD = 0.8165 EUR?

Yes. Hotel, car rental, or gas station holds abroad may be placed in the local currency and then shown on your account in USD with a listed exchange rate. The final posted amount may change slightly when the actual transaction settles.

How can I minimize unexpected currency conversion charges in the future?

Whenever possible, choose to pay in the local currency at the point of sale (decline dynamic currency conversion), review your card’s foreign transaction fee policy, and keep receipts so you can compare local amounts to the final converted amounts on your statement.

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