AUTHOR & INDEPENDENT OPERATORIndependent operator of CurrencyFlow, responsible for currency tools, data explanations, travel-money and exchange-rate guides.
Use a dated EUR/CNY reference rate for accommodation, transport, meals and shopping, then include card and cash costs.
2026-09-15Fees and spreadsA practical breakdown of reference rates, card-network conversion, foreign transaction fees and posting time for USD/TWD spending.
2026-09-11Exchange-rate basicsUnderstand TWD/CNY versus CNY/TWD, common amounts, provider dates and real conversion costs.
2026-09-08Currency reportsA data-based summary of 31 valid EUR/CNY observations in 2026-08, including start, end, high, low and average.
2026-09-04Travel moneyUnderstand HKD/CNY direction, merchant settlement currency, card payments and cash preparation without confusing reference and executable rates.
2026-09-04Currency reportsA data-based summary of 31 valid JPY/CNY observations in 2026-08, including start, end, high, low and average.
2026-09-03Currency reportsA data-based summary of 31 valid USD/CNY observations in 2026-08, including start, end, high, low and average.
2026-09-02Travel moneyUse CNY/JPY reference data for a Japan budget and understand cash, cards, ATMs and dynamic currency conversion.
2026-09-01Fees and spreadsHow spreads, fixed fees, card conversion costs and posting time create a difference between USD/CNY reference data and provider quotes.
2026-08-28Cross-border businessA pre-payment checklist covering currency, recipient details, rate, fee allocation, delivery timing, refund terms and evidence.
2026-08-27Cross-border businessA practical record-keeping guide for foreign-currency invoices, including amounts, dates, rate sources, fees and review evidence.
2026-08-25Accounting and historical ratesExplains transaction, payment, posting, settlement and period-end dates and how to build a reproducible foreign-currency accounting workflow.
2026-08-22Accounting and historical ratesExplains requested versus actual data dates, currency direction, reciprocal calculations and record keeping for reimbursement, analysis and general accounting reference.
2026-08-20Currency reportsA 12-month EUR/USD data study using 365 available dated observations, with range, average, direction counts and monthly statistics.
2026-08-20Currency reportsA 12-month USD/JPY data study using 365 available dated observations, with range, average, direction counts and monthly statistics.
2026-08-20Currency reportsA 12-month USD/CNY data study using 365 available dated observations, with range, average, direction counts and monthly statistics.
2026-08-20Travel moneyA practical way to plan yen cash, card spending and ATM withdrawals without treating any one payment method as universally cheapest.
2026-08-20Travel moneyHow to choose between Hong Kong dollars, renminbi cash and card payments while keeping exchange-rate spread and merchant conversion visible.
2026-08-20Travel moneyA practical payment plan for Singapore that separates local acceptance from the foreign-exchange cost charged by your own card or wallet provider.
2026-08-20Travel moneyA step-by-step way to calculate the real cost of a Thai ATM withdrawal, including local operator fees, issuer charges and optional currency conversion.
2026-08-20Fees and spreadsWhy purchase date, processing date and statement date can differ, and how to reconcile a card transaction with a public reference rate without assuming an exact match.
2026-08-20Exchange-rate basicsA practical explanation of why physical cash conversion and account-to-account foreign-currency transfers can have different pricing even for the same currency pair.
2026-08-20Exchange-rate basicsWhy many reference-rate datasets publish on business days, how weekends and holidays affect charts, and how to record a weekend transaction date accurately.
2026-08-20Cross-border businessA structured way to investigate the gap between the amount sent and the amount received by separating exchange-rate spread, fixed fees, intermediary charges and recipient-bank costs.
2026-08-20Travel moneyA practical framework for combining cash, cards and mobile payments based on acceptance, cost, safety, budgeting and backup options.
2026-08-18Travel moneyA practical guide to ATM operator charges, issuer fees, dynamic currency conversion, withdrawal limits and basic safety when travelling.
2026-08-15Fees and spreadsA reusable checklist for comparing providers by final amount, rate spread, fixed charges, speed, refund terms and transparency.
2026-08-13Fees and spreadsExplains the home-currency option shown at overseas terminals and ATMs, the difference between DCC and local-currency billing, and how to decide.
2026-08-11Currency reportsA data-based summary of 31 valid EUR/CNY observations in 2026-07, including start, end, high, low and average.
2026-08-08Fees and spreadsA step-by-step guide to reference rates, rate markups, fixed charges and percentage fees, focused on comparing the final amount received.
2026-08-08Currency reportsA data-based summary of 31 valid JPY/CNY observations in 2026-07, including start, end, high, low and average.
2026-08-07Currency reportsA data-based summary of 31 valid USD/CNY observations in 2026-07, including start, end, high, low and average.
2026-08-06Exchange-rate basicsExplains why bank quotes can differ from online reference rates, including spreads, channels, settlement timing, card conversion and cash-versus-account distinctions.
2026-08-06Exchange-rate basicsAn accessible guide to the mid-market rate, reference rates and customer exchange rates, with practical uses for travel, transfers, accounting and price comparison.
2026-08-04Exchange-rate basicsExplains pair direction, time range, highs, lows, averages and percentage change so users can read currency charts without treating them as trading advice.
2026-08-03Exchange-rate basicsA practical explanation of currency direction, dates, providers and why two quotes can differ.
2026-07-31Fees and spreadsLearn how provider spreads, fixed fees and processing time change the customer result.
2026-07-31Travel moneyA step-by-step checklist for comparing cards, cash, ATMs and dynamic currency conversion.
2026-07-31Accounting and historical ratesHow to record the requested date, actual publication date, provider and calculation method.
2026-07-31