Start with net payout
Subtract disclosed processing or withdrawal fees from the amount you would actually receive.
A private, browser-only utility
Put two gift card quotes on the same line.
Headline rates can hide fees or use different assumptions. Rate Notebook turns each offer into a net payout and an effective naira-per-card-currency-unit figure you can compare.
No login. No card number. No data leaves this page.
Example worksheet
100 USD card
Offer A₦126,000
Fee₦1,000
Net rate₦1,250/$
Offer B₦123,500
Fee₦0
Net rate₦1,235/$
Difference after fees
₦1,500
Illustration only—not a live quote.
Three comparison rules
A clearer number, with fewer assumptions.
Normalize the offer
Divide the net payout by the card’s face value. Now both offers use the same unit.
Keep categories separate
A gift card quote is a resale offer, not an official foreign-exchange rate or guaranteed final payout.
Ready when you are
Use numbers you already have.
The worksheet needs only face value, quoted payout and disclosed fees. Never enter a card code, PIN, receipt number or account credential.