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How Amazon Currency Converter works for buyers & sellers, ACCS fees explained, and free alternatives to save 2-3% on every transaction
Updated September 2026Amazon Currency Converter is a feature that automatically converts prices and payments between different currencies on Amazon's international marketplaces. It serves two different audiences:
| Marketplace | Local Currency | ACCS Available |
|---|---|---|
| Amazon.com (US) | USD | — |
| Amazon.co.uk (UK) | GBP | ✔ Yes |
| Amazon.de (Germany) | EUR | ✔ Yes |
| Amazon.fr (France) | EUR | ✔ Yes |
| Amazon.it (Italy) | EUR | ✔ Yes |
| Amazon.es (Spain) | EUR | ✔ Yes |
| Amazon.co.jp (Japan) | JPY | ✔ Yes |
| Amazon.ca (Canada) | CAD | ✔ Yes |
| Amazon.com.au (Australia) | AUD | ✔ Yes |
| Amazon.in (India) | INR | ✔ Yes |
When you shop on an international Amazon marketplace, Amazon detects your location and offers to convert the price to your local currency. Here's how it works step by step:
You're shopping on Amazon.co.uk (UK) from the United States. A product is listed at £29.99 GBP.
Based on your IP address and account settings, Amazon detects you're in the US and displays the price in USD: $38.99 USD (or similar).
At checkout, you see two options:
Recommended: Select “Pay in original currency” (GBP in this case). Most credit card issuers (Visa, Mastercard) use rates that are 0.5-1% better than Amazon's conversion, saving you $0.50-1.00 per $100 spent.
ACCS (Amazon Currency Converter for Sellers) is the service that converts your international sales revenue into your local currency. If you sell on Amazon.co.uk, Amazon.de, or Amazon.co.jp, ACCS handles the currency conversion for your payouts.
| Item | Without ACCS (Wise) | With ACCS | Difference |
|---|---|---|---|
| International Sales | £30,000 GBP | £30,000 GBP | — |
| Conversion Rate | 1.2700 (mid-market) | 1.2350 (ACCS rate) | -2.8% |
| Converted to USD | $38,100 | $37,050 | -$1,050 |
| Conversion Fee | $45 (Wise fee) | $0 (built into rate) | |
| Net Received | $38,055 | $37,050 | -$1,005 |
Check the real cost before your next withdrawal: our free Amazon Currency Converter & ACCS fee tool compares Amazon's settlement rate against the live mid-market rate across 16 major currencies.
Amazon doesn't publish a fixed ACCS fee percentage. Instead, the fee is embedded in the exchange rate — Amazon uses a rate that's 2.5-3% worse than the real mid-market rate. This makes it harder to see exactly how much you're paying.
(Mid-market rate - ACCS rate) / Mid-market rate × 100%| Metric | Value |
|---|---|
| Mid-market rate (XE.com) | 1 GBP = 1.2700 USD |
| ACCS rate (Amazon) | 1 GBP = 1.2350 USD |
| Difference | 0.0350 USD per GBP |
| Effective fee | 2.76% |
| On £10,000 GBP | $350 USD lost |
| On £50,000 GBP | $1,750 USD lost |
| On £100,000 GBP | $3,500 USD lost |
Understanding the difference between Amazon's exchange rate and the real market rate is key to saving money.
| Currency Pair | Mid-Market Rate | Amazon ACCS Rate | Markup | Cost per $10K |
|---|---|---|---|---|
| GBP → USD | 1.2700 | 1.2350 | 2.8% | $280 |
| EUR → USD | 1.0850 | 1.0550 | 2.8% | $280 |
| JPY → USD | 0.00670 | 0.00652 | 2.7% | $270 |
| CAD → USD | 0.7400 | 0.7200 | 2.7% | $270 |
| AUD → USD | 0.6500 | 0.6320 | 2.8% | $280 |
When Amazon offers to convert the price, look for an option like:
Always choose “Pay in original currency” and let your credit card handle the conversion.
Some credit cards offer 0% foreign transaction fees and use the Visa/Mastercard rate (much better than Amazon's):
Use one of these services to receive payments in the local currency of each marketplace:
✔ Real mid-market exchange rate
✔ Transparent fee: 0.4-0.6% per transaction
✔ Multi-currency account with local bank details
✔ API integration for automated payouts
✘ Not available in all countries
✘ Small learning curve for setup
Savings vs ACCS: Save approximately 2-2.5% per transaction
✔ Direct integration with Amazon Seller Central
✔ Receive payments in USD, EUR, GBP, JPY
✔ Debit card for spending received funds
✔ Well-established in e-commerce
✘ Higher fees than Wise (1-2%)
✘ Less favorable exchange rates
Savings vs ACCS: Save approximately 1-1.5% per transaction
✔ Strong in China, Japan, Southeast Asia
✔ Competitive fees (0.5-1%)
✔ Multi-currency account
✔ Good customer support
✘ Limited in some Western countries
✘ Smaller than Wise/Payoneer
Savings vs ACCS: Save approximately 1.5-2% per transaction
Use our free tool below to compare Amazon's conversion rate with the real mid-market rate. See exactly how much you'd save by using an alternative.
| Amount | GBP → USD | EUR → USD | JPY → USD |
|---|---|---|---|
| $100 equivalent | £78.74 | €92.17 | ¥14,925 |
| $500 equivalent | £393.70 | €460.83 | ¥74,627 |
| $1,000 equivalent | £787.40 | €921.66 | ¥149,254 |
| $5,000 equivalent | £3,937.01 | €4,608.29 | ¥746,269 |
| $10,000 equivalent | £7,874.02 | €9,216.59 | ¥1,492,537 |
When you shop on an international Amazon site (e.g., Amazon.co.uk from the US), Amazon automatically detects your location and offers to convert the price to your local currency. The conversion uses Amazon's own exchange rate, which includes a markup of 2-3% above the mid-market rate. You can accept or decline the conversion — if you decline, your bank handles the conversion instead.
ACCS (Amazon Currency Converter for Sellers) is a service that automatically converts your international sales revenue into your local currency. When you sell on Amazon.co.uk, Amazon.de, Amazon.co.jp etc., ACCS converts those earnings to your bank account currency. It charges a conversion fee of approximately 2.5-3% above the mid-market rate, deducted from each payout.
There is no explicit fee charged for using Amazon's currency converter as a buyer — the cost is built into the exchange rate markup (typically 2-3% above mid-market rate). For sellers using ACCS, the conversion fee is approximately 2.5-3% per transaction. You can avoid this markup by letting your bank handle the conversion or using a service like Wise (TransferWise) instead.
Yes. As a buyer, you can decline Amazon's currency conversion at checkout by selecting “Pay in the original currency” (e.g., USD, EUR, GBP). Your bank or credit card issuer will then convert the charge at their own rate. As a seller, you can disable ACCS in Seller Central under Settings → Account Info → Payment Information, and use a multi-currency bank account instead.
Amazon uses its own exchange rates which include a markup of approximately 2-3% above the interbank (mid-market) rate. This is not the same as Visa or Mastercard rates. Amazon updates its rates frequently throughout the day but always includes this built-in margin. For comparison, Wise uses the real mid-market rate with only a small transparent fee.
For buyers: Select “Pay in original currency” at checkout and let your credit card issuer handle the conversion (many cards offer better rates). For sellers: Open a multi-currency account with Wise, Payoneer, or WorldFirst to receive payments in the local currency of each marketplace, avoiding ACCS fees entirely. This can save 2-3% on every transaction.
ACCS doesn't charge a flat fee — instead, the cost is built into the exchange rate. Amazon typically uses a rate that's 2.5-3% worse than the mid-market rate. For example, if the real rate is 1.2700 GBP/USD, Amazon might offer 1.2350, which is a 2.76% markup. On a £10,000 payout, that's approximately $350 lost to conversion fees.
Yes, significantly. Wise uses the real mid-market rate with a transparent fee of 0.4-0.6%. Compared to ACCS's 2.5-3% markup, Wise saves you approximately 2-2.5% per transaction. On $50,000 in annual international sales, that's $1,000-1,250 saved per year. The only downside is you need to set up a Wise account and link it to your Amazon Seller Central.
See our fee cards & rate comparison boards on Pinterest.