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Amazon ACCS (Currency Converter for Sellers) charges no explicit fee but applies a hidden exchange-rate spread of 2–3% on every auto-converted payout — about $3,000 per year on $120,000 of USD payouts, versus roughly $1,218 with Payoneer (1% spread + $1.50 per payout) or about $900 with Wise (0.7% spread + $5/month). Check the live mid-market rate in the converter above, then compare payout options in our ACCS vs Payoneer vs Wise cost breakdown or follow the step-by-step guide to disable ACCS and keep your payouts in USD.
Key fact: Amazon ACCS converts seller payouts at roughly 2-3% above the mid-market rate (about 1.5%-0.75% on high-volume corridors), so $100,000 of annual payouts costs about $2,500 at a 2.5% spread.
Real-time rates for Amazon sellers · 16 currencies supported
How Amazon ACCS compares with third-party multi-currency providers for receiving marketplace payouts:
| Option | Typical total cost | How it works | Best for |
|---|---|---|---|
| ACCS (Amazon default) | ~0.75%–3% over mid-market (volume tier) | Auto-converts each disbursement at Amazon's rate | Low volume; simplicity |
| Payoneer | ~0.5%–1.2% receiving + withdrawal | Virtual USD/EUR/GBP accounts, withdraw locally | Multi-marketplace sellers |
| Wise Business | ~0.5%–0.7% conversion | Mid-market rate + transparent fee | Rate transparency |
| US/EU bank account | Wire fees only; you control FX | Receive USD/EUR natively, convert yourself | High volume ($50K+/mo) |
On $100,000 of annual payouts, the difference between a 2.5% ACCS spread and a ~0.6% Wise conversion is roughly $1,900 per year. Use the converter above to see today's mid-market rate and estimate your real cost.
Amazon ACCS applies a 2-3% FX markup on every international payout. Here is what that actually costs you:
| Monthly USD Payout | Amazon FX Fee (2.5%) | With Wise (0.5%) | Annual Savings |
|---|---|---|---|
| $1,000 | -$25/mo | -$5/mo | $240/yr |
| $5,000 | -$125/mo | -$25/mo | $1,200/yr |
| $10,000 | -$250/mo | -$50/mo | $2,400/yr |
| $25,000 | -$625/mo | -$125/mo | $6,000/yr |
| $50,000 | -$1,250/mo | -$250/mo | $12,000/yr |
| $100,000 | -$2,500/mo | -$500/mo | $24,000/yr |
* Amazon ACCS fee ~2-3% (varies by marketplace). Wise fee ~0.5% for USD transfers. Actual savings depend on volume and route.
See how exchange rate fees eat into your FBA profit margin:
When you sell on Amazon.com (US marketplace) but want payouts in your local currency (CNY, EUR, GBP, etc.), Amazon uses its ACCS service to convert your earnings. The rate includes a 2-3% markup above the mid-market interbank rate.
Amazon uses the exchange rate on the settlement date (when funds are transferred), not the sale date. If USD/CNY moves 1% between your sale and settlement, your actual rate changes by that amount. This adds volatility risk on top of the FX fee.
Some marketplaces (EU, UK, Japan) support Multi-Currency Pricing, where you list in local currency. Amazon handles the conversion and charges an additional 1-2% on top of the ACCS fee.
Go to Seller Central → Reports → Payments → Date Range Reports. Look at the “Exchange Rate” column and compare it with the mid-market rate on this tool. The difference is your actual FX cost.
Amazon never itemises the FX spread. ACCS is baked into the exchange rate applied to your settlement, so the only way to see what it genuinely cost you is to reconcile your own payout against the mid-market rate for the same date. Pull three numbers from Seller Central — your payout, the rate Amazon applied, and the mid-market rate — and enter them below.
Where to find the numbers: Seller Central → Reports → Payments → Date Range Reports. The Exchange Rate column is the rate Amazon applied; take the mid-market rate from the converter at the top of this page for the same settlement date. Then compare what you would have paid with a USD account plus Wise or Payoneer in our ACCS vs Payoneer vs Wise breakdown.
ACCS (Amazon Currency Converter for Sellers) converts your marketplace payouts at Amazon's own rate. The spread over the mid-market rate depends on your monthly payout volume:
| Monthly payout volume | Typical ACCS spread over mid-market |
|---|---|
| Under $100K | about 3% |
| $100K – $1M | about 1.5% |
| Over $1M | about 0.75% |
Every 1% of ACCS spread on $100,000 of annual cross-border payouts costs about $1,000 per year. Compare today's rate in the converter above before each withdrawal.
More Amazon fee tools:
Amazon Currency Converter for Sellers (ACCS) converts your international marketplace payouts into your home currency automatically — at Amazon's own exchange rate, which typically embeds a hidden 2–3% FX fee versus the mid-market rate. Use the converter above to check today's live rates for 16 currencies, then compare them against the ACCS rate Amazon applied to your last settlement to see exactly what the conversion cost you.
ACCS fees are tiered by payout volume — heavier sellers qualify for better rates (see the fee-tier table below). Many sellers reduce the hit by receiving payouts in a multi-currency account instead. Our guides walk through both routes step by step: Amazon Currency Converter for Sellers 2026 and the exchange rate profit guide.
Convert USD to CNY, EUR and more — and see what ACCS really costs you.
Sellers search for an Amazon Pay conversion rate and usually mean one of two different conversions. They are set by different parts of Amazon and they are not the same number:
Because neither rate is the mid-market rate, the honest way to answer "what is my Amazon Pay conversion rate" is to compare the rate that actually hit your settlement report with the live mid-market rate for that date — the converter above gives you the mid-market side, and the settlement reconciliation section covers pulling your side out of the report.
Every 1% of conversion spread on $100,000 of cross-border volume is $1,000 a year, whichever of the two conversions you are measuring.
The converter supports 16 major currencies including USD, EUR, GBP, JPY and CNY, covering all Amazon marketplaces commonly used by cross-border sellers.
Rates refresh every 5 minutes from major bank and FX market feeds, so the mid-market reference you compare against Amazon's settlement rate is current.
Cross-border Amazon sellers use it to convert costs and selling prices between currencies, compare the ACCS payout rate with the mid-market rate, and avoid hidden FX losses.
Yes - the tool shows the past 30 days of exchange rate movement to help you judge FX trends before setting listing prices or scheduling withdrawals.
The Amazon Currency Converter for Sellers (ACCS) converts your marketplace sales proceeds into your home currency before Amazon disburses your settlement. Amazon applies its own exchange rate, typically 2-3% worse than the mid-market rate. Use this free tool to see the real cost of that spread.
Amazon's ACCS adds roughly 2-3% above the mid-market rate depending on currency pair and volume tier (about 1.5%-0.75% by volume on some corridors). On $100,000 of annual cross-border sales a 2.5% spread costs about $2,500 per year - a multi-currency account such as Payoneer or Wise usually cuts that cost.
Yes. There is no monthly charge and nothing to sign up for — Amazon simply applies its own exchange rate (typically 2-3% above the mid-market rate, lower on high-volume corridors) each time it converts your settlement. The cost is built into the rate rather than billed separately, which is exactly why you should compare the ACCS rate against the mid-market rate before each withdrawal.
Multi-currency accounts such as Payoneer or Wise typically cost 0.4%-1.5% all-in and let you withdraw at or near the mid-market rate, while ACCS effectively adds about 2-3% above mid-market (as low as 0.75% on high-volume corridors). On $100,000 of annual payouts that difference is roughly $1,500-$2,500. Receiving to a virtual account also keeps you in control of when to convert, instead of converting automatically at Amazon's rate each disbursement.
❓ Amazon Currency Converter for Sellers — Frequently Asked Questions → fees, limits, and worked examples
Written and maintained by the ylishi.tools editorial team, which has tracked Amazon, Temu and TikTok Shop seller fees since 2019. Spotted an error or a stale rate? Email support@ylishi.tools — figures on this page are corrected whenever the published fee schedule changes.
Every rate card behind this tool comes from our open dataset — 2026 Amazon FBA fee snapshots (CC BY 4.0). What changed between monthly snapshots is dated in the Amazon FBA fee change log. Machine-readable JSON, free to cite.