Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-16 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Key distinction: Market FX, a bank's posted rate, and your executable transaction rate can differ.
Cash rates apply to physical banknotes
Physical foreign currency involves handling, transport, inventory, and authentication costs.
Spot/account rates generally involve non-cash FX
Currency exchanged inside a foreign-currency account usually does not require physical banknote handling.
Cash and spot quotes for the same currency can differ
Bank of Taiwan lists cash and spot buy/sell rates separately.
Do not estimate online banking from the cash-board quote
Actual transaction rates can vary by channel, time, and bank promotion.
Primary / official sources
Posted rates change continuously. Actual transactions use the rate and fees shown by the executing bank, broker, or payment provider.