Agoda Platform and Booking Terms of Use

MATERIAL

DATED 2026-07-10 · VERSION 20260911_rev01 · COMPARED WITH 20210901_rev01

What changed, in plain language

Agoda changed the rules for its up-to-5% currency conversion fee on 'Pay Now' bookings: previously you could avoid the fee by charging in your own Display Currency, but now you must charge in the hotel's local currency (Product Currency) instead. Agoda also added several new clauses clarifying refunds, exchange-rate timing, and that hotels/suppliers aren't responsible for currency conversion issues.

Changes that may affect you

Harder to avoid the currency conversion fee on 'Pay Now' bookingsMATERIAL

BILLING & RENEWAL

Agoda charges up to 5% extra when your payment currency doesn't match a reference currency. Previously, simply choosing to be charged in your own currency (Display Currency) avoided this fee. Now, the fee is only avoided if you choose to be charged in the hotel's local currency instead — which is often unfamiliar or inconvenient for you. In practice, many travelers who want to pay in their own currency will now pay this fee when they previously wouldn't have.

“will be added to the Bloomberg Generic Composite Rate when Charge Currency is different from Product Currency”

What you can do — On the payment page, if you want to avoid the up-to-5% surcharge, select the hotel's local currency (Product Currency) as your Charge Currency rather than your own currency — check which option Agoda labels as fee-free before confirming.

New disclaimer limits your recourse against the hotel for currency issuesMINOR

LIABILITY LIMITS

A newly added clause states that your hotel or travel supplier has no role in Agoda's currency conversion service and that this arrangement doesn't give you any extra rights under your contract with them. This means if a currency conversion problem arises, you can't seek remedy from the hotel — only from Agoda.

“The Travel Supplier is not involved in enabling you to pay in your Display Currency and is not party to the following terms, which do not give you any extra rights under your contract with the Travel Supplier.”

Changelog

± CHANGEDCurrency choice trigger changed from your card's currency to the hotel's currency
Agoda now offers you a choice of Charge Currency when the hotel's currency (Product Currency) differs from your Display Currency, letting you pick between the two. Before, this choice was offered when your card's currency (Payment Instrument Currency) differed from your Display Currency, and the choice was between Display Currency or your card's currency. Charging in your card's own currency is no longer offered as an option here.
when your Payment Instrument Currency is different from the Display Currency, Agoda may propose you, as Charge Currency, to be charged in Display Currency or Payment Instrument Currency.
when your Product Currency is different from the Display Currency, Agoda may give you a choice over Charge Currency. You can choose to be charged in Display Currency or Product Currency.
± CHANGED'Pay Now' conversion fee now avoided only by picking the hotel's local currency
For 'Pay Now' bookings, the up-to-5% currency conversion fee used to be waived if you chose to be charged in your own Display Currency. Now that same fee is only waived if you choose to be charged in the hotel's local currency (Product Currency) instead — picking your own currency no longer avoids it.
will be added when Charge Currency is different from Display Currency
will be added to the Bloomberg Generic Composite Rate when Charge Currency is different from Product Currency
± CHANGED'Book Now, Pay Later' fee exemption simplified
For pay-later bookings, the fee used to be waived only if your Display Currency, Charge Currency, and card currency all matched. Now it's waived simply if your Charge Currency matches the hotel's local currency, regardless of your card's currency. For most people who choose to pay in their own currency, the fee still applies either way.
The Additional Amount will not apply if the Display Currency, Charge Currency, and Payment Instrument Currency are in the same currency.
The Additional Amount will not apply if the Charge Currency is the same currency as the Product Currency.
+ ADDEDNew disclaimer: the hotel isn't part of Agoda's currency conversion arrangement
A new clause states that your hotel or travel supplier has no involvement in Agoda letting you pay in your own currency, and that this doesn't give you any extra rights against them.
The Travel Supplier is not involved in enabling you to pay in your Display Currency and is not party to the following terms, which do not give you any extra rights under your contract with the Travel Supplier.
+ ADDEDNew clarification on how paying in your currency works
A new clause explains that when you pay in your own currency, Agoda still pays the hotel in its local currency, and any related fees will show as a separate line item in your total price.
you are not making payment in one currency and receiving another currency. If you choose to pay in your Display Currency, all fees and charges from us appear as a separate line item
+ ADDEDNew clarification on exchange rate timing
A new clause clarifies that the exchange rate used is the one shown to you at the moment your total price is displayed, and that this displayed total is what you'll actually be charged.
The exchange rate is determined when the total payment (or estimated total payment) is displayed for your booking on the Platform.
+ ADDEDNew rule: currency stays the same if you change your booking
If you modify a booking, Agoda will keep using the currency you originally selected rather than letting you switch.
If you make a change to your booking, the currency which you initially chose will be used.
+ ADDEDNew refund guarantee
A new clause guarantees that if you cancel within an eligible window, you'll be refunded the exact amount you were charged, including any currency conversion fees — protecting you from exchange-rate losses on refunds.
we will refund you the exact same amount we initially charged you (inclusive of any applicable fees for paying in Display Currency)
± CHANGEDAdded marketing language and button label update
Agoda added promotional wording framing the currency choice feature as a consumer benefit, and renamed the 'Book Now!' button to 'Pay Now!' in the Pay Now flow. These are cosmetic wording changes with no effect on your rights.
the Platform provides you with the ability to choose the Display Currency and/or the Charge Currency.
the Platform provides you with the ability to choose the Display Currency and/or the Charge Currency so that you can pay in your own currency.

Full text changes — 20210901_rev01 to 20260911_rev01

COLOUR MARKS THE SEVERITY OF A FLAGGED CLAUSE · + AND − MARK ADDED AND REMOVED

 **8\. PRICING, ADDITIONAL CHARGES AND TAXES**
 **8.1 Currency selection and effects**
 The price you pay for a booking will depend on your selected payment methods (may include, "Pay Now", "Book Now, Pay Later", "Pay at Hotel" or "Book with Zero Pay", as described in clauses 9 and 15, Display Currency, Payment Instrument, Payment Instrument Currency, Product Currency, Charge Currency, and any applicable credits and discounts, among other things.
+ a. "**Display Currency**" means the currency displayed to you on the Platform. Your default Display Currency is based on your IP address and/or your Account Settings.
+ a. "**Display Currency**" means the currency displayed to you on the Platform. Your default Display Currency is based on your IP address and/or your Account Settings. You can select your preferred Display Currency by clicking the currency code (e.g. USD, AUD) shown on the Platform, or in Account Settings.
+ You can select your preferred Display Currency by clicking the currency code (e.g. USD, AUD) shown on the Platform, or in Account Settings.
  b. "**Payment Instrument Currency**" means the default currency of the Payment Instrument as determined by the issuer of the Payment Instrument.
  c. "**Product Currency**" means the currency of the Travel Product based on the location of the Travel Product or the currency that the Travel Supplier uses for its Travel Product listings with Agoda.
  d. "**Charge Currency**" means the currency in which you are charged for a booking.
+The Platform allows users across the globe to make bookings with Travel Suppliers around the world. Hence, the Platform provides you with the ability to choose the Display Currency and/or the Charge Currency.
+The Platform allows users across the globe to make bookings with Travel Suppliers around the world. As an added benefit to you, the Platform provides you with the ability to choose the Display Currency and/or the Charge Currency so that you can pay in your own currency.
 Before you select your Charge Currency on the booking form/payment information page, the Platform shows you estimated prices of your booking in your Display Currency for your convenient reference only. Where relevant, Agoda uses the Bloomberg Generic Composite Rate to calculate those estimated prices of your booking.
+On the payment information page, when your Payment Instrument Currency is different from the Display Currency, Agoda may propose you, as Charge Currency, to be charged in Display Currency or Payment Instrument Currency.
+On the payment information page, when your Product Currency is different from the Display Currency, Agoda may give you a choice over Charge Currency. You can choose to be charged in Display Currency or Product Currency.
+<table><tbody><tr><td>If you select a <strong>"Pay Now" booking ...</strong></td><td>Agoda will calculate the price for your booking using the Bloomberg Generic Composite Rate. However, after you select your Charge Currency, an additional amount up to 5% of the price (the "<b>Additional Amount"</b>) will be added when Charge Currency is different from Display Currency, except when <i>(A) you are paying with a US-issuer Payment Instrument whose Payment Instrument Currency is USD; and/or (B) you are booking from an IP address located in the United States (US), Canada, or the United Kingdom; and/or (C) you are paying with an India-issuer Payment Instrument and making booking for Accommodations in India.</i><p>The Additional Amount will not apply if your selected Charge Currency is the same as Display Currency.</p><p>When you click "Book Now!", you will be charged the price shown to you in your selected Charge Currency.</p></td></tr><tr><td>If you select a <strong>"Book Now, Pay Later" booking ...</strong></td><td>Agoda will calculate an estimated price for your booking using the Bloomberg Generic Composite Rate. However, after you select your Charge Currency, the Additional Amount will be added:<p>(i) when Charge Currency is different from Display Currency; and/or</p><p>(ii) when Charge Currency is different from Product Currency,</p>except when <i>(A) you are paying with a US-issuer Payment Instrument whose Payment Instrument Currency is USD; and/or (B) you are booking from an IP address located in the US, Canada, or the United Kingdom; and/or (C) you are paying with an India-issuer Payment Instrument and making your booking for Accommodations in India.</i><p>If the conditions for applying both sections (i) and (ii) are met, the Additional Amount will only be applied once.</p><p>The Additional Amount will not apply if the Display Currency, Charge Currency, and Payment Instrument Currency are in the same currency.</p><p>Because you have selected a "Book Now, Pay Later" booking, you will not pay anything until the payment date shown on the booking form/payment information page, and on your booking confirmation.</p><p>On the payment date, Agoda will calculate the final price for your booking in your selected Charge Currency using the Bloomberg Generic Composite Rate and, where applicable, including the Additional Amount.</p></td></tr></tbody></table>
+<table><tbody><tr><td>If you select a <strong>"Pay Now" booking ...</strong></td><td>Agoda will calculate the price for your booking using the Bloomberg Generic Composite Rate. However, after you select your Charge Currency, an additional amount up to 5% of the price (the "<b>Additional Amount"</b>) will be added to the Bloomberg Generic Composite Rate when Charge Currency is different from Product Currency, except when <i>(A) you are paying with a US-issuer Payment Instrument whose Payment Instrument Currency is USD; and/or (B) you are booking from an IP address located in the United States (US), Canada, or the United Kingdom; and/or (C) you are paying with an India-issuer Payment Instrument and making booking for Accommodations in India.</i><p>The Additional Amount will not apply if your selected Charge Currency is the same as Product Currency.</p><p>When you click "Pay Now!", you will be charged the price shown to you in your selected Charge Currency.</p></td></tr><tr><td>If you select a <strong>"Book Now, Pay Later" booking ...</strong></td><td>Agoda will calculate an estimated price for your booking using the Bloomberg Generic Composite Rate. However, after you select your Charge Currency, the Additional Amount will be added to the Bloomberg Generic Composite Rate when Charge Currency is different from Product Currency, except when <i>(A) you are paying with a US-issuer Payment Instrument whose Payment Instrument Currency is USD; and/or (B) you are booking from an IP address located in the US, Canada, or the United Kingdom; and/or (C) you are paying with an India-issuer Payment Instrument and making your booking for Accommodations in India.</i><p>The Additional Amount will not apply if the Charge Currency is the same currency as the Product Currency.</p><p>Because you have selected a "Book Now, Pay Later" booking, you will not pay anything until the payment date shown on the booking form/payment information page, and on your booking confirmation.</p><p>On the payment date, Agoda will calculate the final price for your booking in your selected Charge Currency using the Bloomberg Generic Composite Rate and, where applicable, including the Additional Amount.</p></td></tr></tbody></table>
 _**REMINDER:** Your final price on the payment date may increase (or decrease) compared to the estimated price, depending on any changes in the relevant Bloomberg Generic Composite Rates between the day that you confirm your booking and the payment date._
+Note that the terms included in this clause 8.1 are separate to your contract with the Travel Supplier related to your Travel Product. The Travel Supplier is not involved in enabling you to pay in your Display Currency and is not party to the following terms, which do not give you any extra rights under your contract with the Travel Supplier.
+For the avoidance of doubt, when you select to pay in Display Currency, we are simply enabling you to make payment in your Display Currency while we ensure that the Travel Supplier is paid in their local currency. As such, you are not making payment in one currency and receiving another currency. If you choose to pay in your Display Currency, all fees and charges from us appear as a separate line item (included in the total price displayed where applicable) for your booking.
+The exchange rate is determined when the total payment (or estimated total payment) is displayed for your booking on the Platform. Where applicable, the total price displayed will be the amount charged by us to you.
+If you make a change to your booking, the currency which you initially chose will be used.
+If you cancel a reservation within any permitted cancellation period which may apply, we will refund you the exact same amount we initially charged you (inclusive of any applicable fees for paying in Display Currency).
 <table><tbody><tr><td>If you select a <strong>"Pay at Hotel" booking ...</strong></td><td>The Additional Amount does not apply for Pay at Hotel booking.<p>Agoda will calculate and show you on the booking form/payment information page an estimated price for your booking in your selected Display Currency using the Bloomberg Generic Composite Rate. You will pay on the date of your stay period at the Accommodation, in the currency indicated on the booking form/payment information page, or in any other currency that the Accommodation accepts.</p><p>If you pay the Accommodation in a different currency, or with a Payment Instrument that uses a different currency, the actual amount that you will be charged for your booking will depend on the exchange rate(s) used by the Accommodation and/or your Payment Instrument provider. These factors are outside of Agoda's control.</p></td></tr></tbody></table>
 Agoda updates its Bloomberg Generic Composite Rates regularly, and generally on a daily basis.
 **Refunds**