Garrett Shaw

Garrett Shaw writes about the gap between the exchange rate you see and the money you actually end up with. His focus is on fees, spreads, markup layers, and all the small deductions that turn a clean converter result into something messier by the time a transaction settles.

He gets into specifics: how much a typical card foreign transaction fee eats into a conversion, why airport exchange counters offer rates that look nothing like the mid-market rate, and how transfer services build their margin into the rate itself rather than charging an explicit fee. He likes comparing scenarios side by side to show where the costs hide.

He does not recommend specific services or tell readers which provider to use. The articles describe how cost structures work so people can ask better questions, but any actual decision is left to the reader and whatever professional guidance they choose to seek.