--- title: Understanding How Your Currency Conversion Rate Is Calculated description: Transparent guide to how Adesco calculates your currency conversion rate, including tiers, margins, and real‑estate payments for foreign to ILS and ILS to foreign. --- [Skip to content](https://www.help.adesco.co.il/understanding-how-your-currency-conversion-rate-is-calculated#main-content) [![](https://www.help.adesco.co.il/hs-fs/hubfs/Group%2034@4x.png?width=133&height=20&name=Group%2034@4x.png)](https://www.help.adesco.co.il/?hsLang=en) Open main navigation Close main navigation - [Contact us](https://tgvyy.share.hsforms.com/28NEcofvcQnmjNX3r7APrGQ) [Contact us](https://tgvyy.share.hsforms.com/28NEcofvcQnmjNX3r7APrGQ) How can we help you? - There are no suggestions because the search field is empty. 1. [Help center](https://www.help.adesco.co.il/?hsLang=en) 2. [Conversions and Transfers](https://www.help.adesco.co.il/conversions-and-transfers?hsLang=en) # Understanding How Your Currency Conversion Rate Is Calculated ## This article explains how Adesco calculates your currency conversion rate. The market rate, Estimated rate, spreads and tiers. We are fully transparent with no hidden charges or fees.   #### 1. Understanding the Conversion Screen Let's use an example of a 25,000 USD conversion: ![Screenshot 2026-01-26 112901](https://www.help.adesco.co.il/hs-fs/hubfs/Screenshot%202026-01-26%20112901.png?width=531&height=449&name=Screenshot%202026-01-26%20112901.png) **In the screen above you see:** 1. **“You Sell” amount (25,000 USD)** This is the amount of foreign currency you choose to convert. It determines which tier your transaction falls into and the spread that will be used. 2. **“Estimated Value” in ILS** This shows the estimated amount you will receive in shekels, based on the current estimated rate you are seeing at that moment. 3. **Your estimated net rate (for example: 1 USD = 3.1200 ILS)** This is the estimated exchange rate you would receive at the time you are looking at the screen. This is a calculated estimated rate which includes the Adesco spread (which we take from the indicative market rate). 4. **Indicative market rate (for example: 1 USD = 3.1360 ILS)** This is the current indicative market rate for this currency pair. It is similar to what you would see if you look at an online website. **Important:** The rate that you see in the "estimated net rate" is **not** the final rate, The final rate will be determined at the moment an Adesco employee approves the conversion and executes the trade. #### Estimated net rate The estimated net rate and the spread Adesco takes are impacted by the **tier of your conversion** (the amount you are converting) and the **direction of the transaction** (foreign currency to shekel vs shekels to foreign currency).  #### 2. How Adesco calculates the estimated net rate for **foreign currency to ILS  conversions (for example, USD → ILS)** Using an example rate of 1 USD = 3.2160 ILS The following tiers are: | You sell (USD) | Adesco spread  (Calculation is: market rate - Adesco spread = net rate) | For real estate conversions where Adesco will be making multiple payments on your behalf, we take an extra spread of 0.0010 ILS per 1 USD. | | --- | --- | --- | | $10,000 – $25,000 | Minimum trade amount: $10K – rate improves as trade grows Starts at 0.04 ILS improving to 0.016 ILS | Minimum trade amount: $10K – rate improves as trade grows Starts at 0.04 ILS improving to 0.017 ILS | | $25,000 – $500,000 | **0.016 ILS** fixed spread Example: 3.2160-0.016=3.2000 | **0.017 ILS** fixed spread Example: 3.2160-0.017=3.1990 | | $500,000 – $1,000,000 | **0.015 ILS** fixed spread Example: 3.2160-0.015=3.2010 | **0.016 ILS** fixed spread Example: 3.2160-0.016=3.2000 | | $1,000,000+ | **0.013 ILS** fixed spread Example: 3.2160-0.013=3.2030 | **0.014 ILS** fixed spread Example: 3.2160-0.014=3.2020 |  *\*\*We have a special rate for Non-Profit Organizations. For any conversion over $30,000 we take a spread of 0.014 to help you keep doing good with your organization.*  #### Full example: 25,000 USD → ILS (regular transfer) ![Screenshot 2026-01-26 103910](https://www.help.adesco.co.il/hs-fs/hubfs/Screenshot%202026-01-26%20103910.png?width=433&height=384&name=Screenshot%202026-01-26%20103910.png) - Indicative market rate: 1 USD = **3.1360 ILS**. - Tier: **25,000 – 500,000 USD**, regular transfer. - Spread: **0.0160 ILS** per 1 USD is subtracted. - Estimated net rate: 3.1360 − 0.0160 = **3.1200 ILS per 1 USD.** #### Example: 25,000 USD → ILS (real‑estate payment) - Same indicative market rate: 1 USD = **3.1360 ILS**. - Tier: **25,000 – 500,000 USD**, real‑estate payment. - Spread: **0.0170 ILS** per 1 USD is subtracted - Estimated net rate on final summary: 3.1360 − 0.0170 = **3.1190 ILS per 1 USD**. Important: on the first conversion screen, you only select the amount, so the calculator applies the regular tier spread. You choose the conversion purpose / type of real estate later, so the extra 0.001 ILS per 1 USD is applied only on the final review/summary screen, not on the initial conversion view. ![Screenshot 2026-01-26 104707](https://www.help.adesco.co.il/hs-fs/hubfs/Screenshot%202026-01-26%20104707.png?width=670&height=325&name=Screenshot%202026-01-26%20104707.png)   --- #### 3. ILS → **foreign currency  (for example, ILS →USD) - buying dollars** Using an example rate of 1 USD = 3.2160 ILS The following tiers are: | You buy (USD) | Margin from market rate (regular transfer) | | --- | --- | | $10,000 – $25,000 | From 0.0425 improving to 0.017 *Minimum trade amount: $10K – rate improves as trade grows* | | $25,000 – $500,000 | **0.017 ILS** fixed spread Example: 3.2160-0.017=3.1990 | | $500,000 – $1,000,000 | **0.016 ILS** fixed spread Example: 3.2160-0.016=3.2000 | | $1,000,000+ | **0.014 ILS** fixed spread Example: 3.2160-0.014=3.2020 |   #### Example: ILS amount ≈ 25,000 USD (regular transfer) In the case of converting **80,000 ILS → USD**:![Screenshot 2026-01-26 104426](https://www.help.adesco.co.il/hs-fs/hubfs/Screenshot%202026-01-26%20104426.png?width=472&height=460&name=Screenshot%202026-01-26%20104426.png) - Indicative market rate: 1 USD = **3.1360 ILS**. - Tier: amount in the **25,000 – 500,000 USD equivalent**, regular transfer. - Spread: **0.0170 ILS** per 1 USD is added. - Estimated net rate: 3.1360 + 0.0170 = **3.1530 ILS per 1 USD**. *Please note: for ILS → foreign currency payments, an additional fee of $38 (or the equivalent amount in the currency you are buying) is charged.*  - [Getting started](https://www.help.adesco.co.il/getting-started?hsLang=en) - [Conversions and Transfers](https://www.help.adesco.co.il/conversions-and-transfers?hsLang=en) - [Transferring Money and Making Payments](https://www.help.adesco.co.il/transferring-money-and-making-payments?hsLang=en) - [Add Money to Adesco Account](https://www.help.adesco.co.il/add-money-to-adesco-account?hsLang=en) - [Settings](https://www.help.adesco.co.il/settings?hsLang=en) - [Support](https://www.help.adesco.co.il/support?hsLang=en) - [Accessibility](https://www.help.adesco.co.il/accessibility?hsLang=en) - [Articles for Customers](https://www.help.adesco.co.il/articles-for-customers?hsLang=en) - [Property Payment Plan](https://www.help.adesco.co.il/property-payment-plan?hsLang=en) [![](https://www.help.adesco.co.il/hs-fs/hubfs/Group%2034@4x.png?width=133&height=20&name=Group%2034@4x.png)](https://app.adesco.co.il) [mailto:email@email.com](mailto:email@email.com) Copyright © 2026,