Travel budget health check

See where travel money may be slipping away.

Estimate the annual cost of card FX markups, ATM and exchange fees, and unmanaged reimbursement habits—then see what a clearer policy could change.

Estimated opportunity

Your annual FX picture

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GBP → IDR
Estimated annual FX leakage — Across the modelled company travel budget.
Potential annual savings range — Compared with the managed policy model below—not a guaranteed saving.
Impact per employee trip — Estimated cost under the current setup.
Destination spending power — Expected local value with a managed policy.
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Explain it in seconds

Where the estimate comes from

Each range combines visible provider costs and less visible conversion or policy friction.

See calculation assumptions

Formula: annual spend = average trip budget × travellers × trips per employee. Current leakage applies the selected setup’s low–high cost assumptions plus modelled fixed cash/ATM costs. Potential savings subtracts a managed-policy cost range. It never assumes every cost can be removed.

Recommended policy mix

Card first, controlled cash backup

A simple default that reduces avoidable choices while preserving local flexibility.

Suggested spend mix
75% card
25% cash
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Practical next steps

Turn the estimate into a clearer policy

Start with the payment choices that employees face most often, then review the aggregate result after a few trips.

1Set the local-currency ruleAsk travellers to decline card-terminal and ATM conversion into the home currency.
2Choose an approved low-FX cardCompare the final fee, cash limits, controls, support, and availability for your company.
3Plan cash as backupUse fewer withdrawals, avoid airport bulk exchange, and record unavoidable local ATM fees.
4Review aggregate outcomesCompare destinations and payment methods without creating employee spending profiles.