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Currency codes and minor units

With the exception of Terminal API, our APIs expect amounts to be submitted in minor units: the smallest unit of a currency, depending on the number of decimals.

Most currencies have two decimals. Some currencies do not have decimals, and some have three decimals. For example:

  • GBP 10: GBP has two decimals, so in minor units submit an amount of 1000
  • JPY 10: JPY has no decimals, so in minor units submit an amount of 10
  • BHD 10: BHD has three decimals, so in minor units submit an amount of 10000

For CLP, CVE, IDR, and ISK the ISO 4217 standard has a different number of decimals than shown in the table below. However, the decimals in the table below are leading for submitting amounts in minor units.

For example, ISK has zero decimals in the ISO 4217 standard, but to submit an ISK amount to Adyen you have to use two decimals as shown in the table.

Currency conversion rates and fees

Sometimes sums have to be converted from one currency to another, for example when the transaction currency differs from the settlement currency. When currency conversions take place, the following foreign exchange (FX) rate and fee apply.

FX reference rate

Adyen applies a foreign currency exchange rate when a currency conversion takes place. This is called the FX reference rate.

FX management fee

Adyen also charges a fee for managing the exchange of currency conversions. This is called the FX management fee, or spread. How this fee is calculated is included in your contract with Adyen.

By default, the FX management fee differs based on the currency category:

  • Category one currencies: AUD, CAD, DKK, EUR, GBP, HKD, JPY, NOK, NZD, PLN, SEK, USD, ZAR.
  • Category two currencies: all other currencies.

Your company can also choose an alternative setup, where the FX management fee is based on a scheme rate. This is currently available for Visa and Mastercard. The FX management fee for other payment methods is based on the currency category.

Code Currency Decimals
AED UAE Dirham 2
ALL Albanian Lek 2
AMD Armenian Dram 2
ANG Antillian Guilder 2
AOA Angolan Kwanza 2
ARS Nuevo Argentine Peso 2
AUD Australian Dollar 2
AWG Aruban Guilder 2
AZN Azerbaijani manat 2
BAM Bosnia and Herzegovina Convertible Marks 2
BBD Barbados Dollar 2
BDT Bangladesh Taka 2
BGN New Bulgarian Lev 2
BHD Bahraini Dinar 3
BMD Bermudian Dollar 2
BND Brunei Dollar 2
BOB Bolivia Boliviano 2
BRL Brazilian Real 2
BSD Bahamian Dollar 2
BWP Botswana Pula 2
BYN New Belarusian Ruble 2
BZD Belize Dollar 2
CAD Canadian Dollar 2
CHF Swiss Franc 2
CLP Chilean Peso 2 (see note)
CNH Yuan Renminbi (offshore) 2
CNY Yuan Renminbi (onshore) 2
COP Colombian Peso 2
CRC Costa Rican Colon 2
CUP Cuban Peso 2
CVE Cape Verdi Escudo 0 (see note)
CZK Czech Koruna 2
DJF Djibouti Franc 0
DKK Danish Krone 2
DOP Dominican Republic Peso 2
DZD Algerian Dinar 2
EGP Egyptian Pound 2
ETB Ethiopian Birr 2
EUR Euro 2
FJD Fiji Dollar 2
FKP Falkland Islands Pound 2
GBP Pound Sterling 2
GEL Georgian Lari 2
GHS Ghanaian Cedi (3rd) 2
GIP Gibraltar Pound 2
GMD Gambia Delasi 2
GNF Guinea Franc 0
GTQ Guatemala Quetzal 2
GYD Guyanese Dollar 2
HKD Hong Kong Dollar 2
HNL Honduras Lempira 2
HTG Haitian Gourde 2
HUF Hungarian Forint 2
IDR Indonesian Rupiah 0 (see note)
ILS New Israeli Scheqel 2
INR Indian Rupee 2
IQD Iraqi Dinar 3
ISK Iceland Krona 2 (see note)
JMD Jamaican Dollar 2
JOD Jordanian Dinar 3
JPY Japanese Yen 0
KES Kenyan Shilling 2
KGS Kyrgyzstan Som 2
KHR Cambodia Riel 2
KMF Comoro Franc 0
KRW South-Korean Won 0
KWD Kuwaiti Dinar 3
KYD Cayman Islands Dollar 2
KZT Kazakhstani Tenge 2
LAK Laos Kip 2
LBP Lebanese Pound 2
LKR Sri Lanka Rupee 2
LYD Libyan Dinar 3
MAD Moroccan Dirham 2
MDL Moldovia Leu 2
MKD Macedonian Denar 2
MMK Myanmar Kyat 2
MNT Mongolia Tugrik 2
MOP Macau Pataca 2
MRU Mauritania Ouguiya 2
MUR Mauritius Rupee 2
MVR Maldives Rufiyaa 2
MWK Malawi Kwacha 2
MXN Mexican Peso 2
MYR Malaysian Ringgit 2
MZN Mozambican Metical 2
NAD Namibian Dollar 2
NGN Nigerian Naira 2
NIO Nicaragua Cordoba Oro 2
NOK Norwegian Krone 2
NPR Nepalese Rupee 2
NZD New Zealand Dollar 2
OMR Rial Omani 3
PAB Panamanian Balboa 2
PEN Peruvian Nuevo Sol 2
PGK New Guinea Kina 2
PHP Philippine Peso 2
PKR Pakistan Rupee 2
PLN New Polish Zloty 2
PYG Paraguay Guarani 0
QAR Qatari Rial 2
RON New Romanian Lei 2
RSD Serbian Dinar 2
RUB Russian Ruble 2
RWF Rwanda Franc 0
SAR Saudi Riyal 2
SBD Solomon Island Dollar 2
SCR Seychelles Rupee 2
SEK Swedish Krone 2
SGD Singapore Dollar 2
SHP St. Helena Pound 2
SLE Sierra Leone Leone 2
SOS Somalia Shilling 2
SRD Surinamese dollar 2
STN Sao Tome & Principe Dobra 2
SVC El Salvador Colón 2
SZL Swaziland Lilangeni 2
THB Thai Baht 2
TND Tunisian Dinar 3
TOP Tonga Pa'anga 2
TRY New Turkish Lira 2
TTD Trinidad & Tobago Dollar 2
TWD New Taiwan Dollar 2
TZS Tanzanian Shilling 2
UAH Ukraine Hryvnia 2
UGX Uganda Shilling 0
USD US Dollars 2
UYU Peso Uruguayo 2
UZS Uzbekistani Som 2
VEF Venezuelan Bolívar 2
VND Vietnamese New Dong 0
VUV Vanuatu Vatu 0
WST Samoan Tala 2
XAF CFA Franc BEAC 0
XCD East Caribbean Dollar 2
XOF CFA Franc BCEAO 0
XPF CFP Franc 0
YER Yemeni Rial 2
ZAR South African Rand 2
ZMW Zambian Kwacha 2