Calculation & Conversion / Converters

Currency Converter

This currency converter turns any amount from one currency into another at the mid-market rate - the midpoint between buy and sell prices in the interbank market - and shows the reverse quote, the rate on any past date, and where the pair has traded over the last month, quarter or year. Rates are held in one table against the US dollar, so a rate from A to B is rate(B) / rate(A); that single formula makes every reverse quote an exact reciprocal and keeps cross rates from drifting out of line with each other. Two public feeds fill the table: the European Central Bank reference rate for the 31 currencies it publishes, and open.er-api.com for the rest, with the source and the quote date labelled on every result because they are not the same feed and can differ in the third or fourth decimal. Mid-market is not what you pay - banks, card networks and exchange desks add a spread that runs from roughly 0.5% to 3%, so two providers quoting the same rate can still cost you different amounts. History is thinner than the spot table: the central bank series covers 30 currencies back to 1999 and is the only free daily history there is, so pairs outside that set get a rate but no chart. Amounts round to each currency's ISO 4217 minor unit - 0 for yen and won, 2 for dollars and euros, 3 for dinars - and nothing is rounded until it is printed. This is a reference tool, not a dealing quote: it cannot settle a contract, price an invoice or support a tax filing on its own.

USD	EUR
1.00	0.87
10.00	8.67
100.00	86.68
1,000.00	866.78
10,000.00	8,667.80

Where USD/EUR has been

Daily reference rates. One line, so the colour carries no meaning — read the change, not the hue.

Start

0.8721

19 Jun 2026

Now

0.8668

16 Sep 2026

Change

▼ −0.61%

Over 90 days

High

0.8818

24 Jun 2026

Low

0.8548

21 Aug 2026

64 daily points across 90 days · vertical scale 0.8548 – 0.8818

This is a mid-market rate, not the rate you get

The number here is the midpoint between buy and sell prices in the interbank market. Banks, card networks and exchange kiosks add a spread on top — commonly 0.5% to 3% for cards, and more at airport counters. On a $5,000 transfer, a 2% margin is $100 that never shows up in the quoted rate.

Not a dealing quote

Nothing on this page is a firm price. Real quotes are sized, time-stamped and carry a spread, and they move second by second during the trading week. Do not use these numbers to settle a contract, price an invoice or file a tax return without confirming with your bank or a licensed dealer.

4 more things worth knowing

Showing the bundled snapshot

The live feed could not be reached, so the page fell back to the rate table shipped with it. The date on the card tells you how old that table is. Refresh the page to try the live feed again.

Nothing changes at the weekend

The global foreign exchange market runs continuously from Sunday evening to Friday evening (New York time), and reference rates are struck once per business day. So a quote you read on Saturday is Friday's quote, and Sunday's is still Friday's until the new week opens.

Compare the fee, then the rate

Two providers quoting the same rate can cost very different amounts once transfer fees, receiving fees and margin are added. Convert the total you actually pay into your home currency and compare that, not the headline rate.

Fiat only

This converter covers sovereign currencies. Digital assets trade on separate venues with their own spreads, and their prices do not come from the foreign exchange market.

How these numbers are produced

One base, every pair. The table stores each currency against the US dollar. A rate from A to B is rate(B) ÷ rate(A), so the reverse of any quote is the reciprocal and no cross-rate can drift out of line with the others.
Two feeds, labelled per currency. Currencies the European Central Bank publishes take its reference rate; the rest come from open.er-api.com. Each result names the source it used and the date it was struck — the two are not the same feed and can differ in the third or fourth decimal.
Decimals follow the currency, not the screen. Amounts are rounded to the ISO 4217 minor unit — 0 for yen and won, 2 for dollars and euros, 3 for dinars. Rates use an adaptive precision so a quote of 0.0087 keeps its significant digits instead of collapsing to 0.00.
Nothing is rounded until it is printed. The arithmetic keeps full floating-point precision and only rounds at the last step, which is why multiplying the shown rate back by the amount can land a cent away from the shown result.
History comes from the central bank. 30 currencies have a daily reference series back to 1999; the bundled copy carries about three months so the chart still draws when the network is unavailable.

The live feed did not answer in time, so the bundled snapshot is in use.

How to use

1
Enter the amount and pick the two currencies
Type the amount you want to convert, then choose the currency you are converting from and the one you want back. All 162 currencies are in the list, grouped so the thirty most heavily traded sit at the top; the eight most requested pairs are one click away above the form.
2
Read the result, then read where the rate came from
The large number is your amount at the mid-market rate, and the two cells beneath it give both directions of the same quote. Each names its source and quote date: a European Central Bank reference rate for the currencies that institution publishes, or the open feed for the remainder. Check that line before you quote the number to anyone.
3
Check the trend before you assume today's rate is normal
Switch between 1M, 3M and 1Y. The strip above the chart gives the starting rate, the current rate, the change, and the high and low with the date each was struck. A rate that looks expensive today is often mid-range over a year, and the change figure tells you how much of a move you would be locking in.
4
Look up the rate on a specific past date
Set the day, month and year beneath the amount. Weekends and market holidays carry no quote, so the page rolls back to the previous session and tells you how far back it went. The card then shows the same amount at that day's rate and at the latest rate, so the difference between then and now is right there.
5
Compare providers on the total you pay, not the headline rate
Add the transfer fee, any receiving fee and the margin to the amount shown, then convert that total back into your own currency. A provider quoting a worse rate with no fee frequently wins on a small transfer, and a provider quoting the best rate frequently loses once the fee is counted.

Key facts

Foreign exchange is the largest market there is, and it grew again in 2025Trading in over-the-counter foreign exchange reached $9.6 trillion per day in April 2025, up 28% from $7.5 trillion three years earlier. That is roughly sixty times the daily turnover of global equity markets, which is why no other market re-prices as continuously as this one.Source:Bank for International Settlements, Triennial Central Bank Survey, April 2025
The dollar sits on one side of almost nine trades in tenThe US dollar was involved in 89.2% of all foreign exchange transactions in April 2025, up from 88.4% in 2022. The euro followed at 28.9%, the yen at 16.8%, sterling at 10.2%, the renminbi at 8.5% and the Swiss franc at 6.4%. Each trade is counted on both sides, so those shares sum to 200%.Source:Bank for International Settlements, Triennial Central Bank Survey, April 2025
Most turnover is not people buying currency to spendSpot transactions - the kind this converter prices - averaged $3.0 trillion per day in April 2025, or 31% of all turnover. FX swaps took 42% and outright forwards 19%. Swaps and forwards are funding and hedging instruments, which is why the headline size of the market is several times the amount of currency that is actually converted.Source:Bank for International Settlements, Triennial Central Bank Survey, April 2025
Rates are set in four placesSales desks in the United Kingdom, the United States, Singapore and Hong Kong accounted for 75% of all foreign exchange trading in April 2025. The United Kingdom alone handled 38%, unchanged from 2022, while Singapore's share rose to 11.8% from 9.5%.Source:Bank for International Settlements, Triennial Central Bank Survey, April 2025
Finance is among the highest-paying content verticalsPublished advertising benchmarks put finance and investing traffic at roughly $15 to $50 per thousand sessions, several times the cross-category average for display advertising. Currency and exchange-rate pages sit in that same bracket.Source:Published publisher RPM benchmarks for finance content, 2025-2026

How this calculator works

Rates are held in one table quoted against the US dollar, so any pair is derived as rate(B) divided by rate(A). Keeping a single table rather than a rate per pair makes every reverse quote consistent by construction: converting from A to B and back again returns the amount you started with, because the second, independently rounded rate never enters the arithmetic. Historical dates are read from the same table, so a past conversion uses the rate captured for that date rather than today's.

The published figure is a mid-market reference — the midpoint between buy and sell prices in the interbank market — and it is not a rate any bank or card issuer will give you. Institutions apply a spread, and cards often add a foreign transaction fee on top, so the amount actually charged is predictably worse than what appears here. The rate carries the date it was captured; for anything consequential, treat that date as the expiry of the number and confirm with the institution that will handle the money.

Sources and standards

Disclaimer

This is an educational calculator, not financial advice. The result is an arithmetic projection of the figures you enter: it does not know your full circumstances, the terms of a specific offer, or the tax and regulatory rules that apply where you live. Confirm any figure against the terms of the product itself, or with a licensed professional, before acting on it.

Last reviewed: 18 September 2026

Frequently asked questions

How is an exchange rate determined?

Mostly by supply and demand between the banks, funds and companies that need to swap currencies, and by the interest-rate gap between the two economies. A currency with higher short-term rates tends to attract deposits, which lifts demand for it. Central banks influence the level through policy and, in a few countries, direct intervention. The practical consequence is that rates move continuously while the market is open, so any single quote is only good for a moment.

Why is my bank's rate different from the mid-market rate shown here?

Because the mid-market rate is not a price anyone actually trades at. It is the midpoint between the best bid and the best offer in the interbank market, which is a market for very large trades between institutions. Banks, card networks and exchange desks quote the wholesale rate plus a spread: about 0.5% for a large negotiated transfer, 3% or more at an airport counter. Some providers advertise no fee and hide the entire cost inside the rate. The gap is their revenue, not an error in the quote.

Do exchange rates change at the weekend?

No, and this catches people out every week. The foreign exchange market runs continuously from Sunday evening to Friday evening New York time, so there is no Saturday or Sunday session. Reference rates such as the European Central Bank's are struck once per business day, around 16:00 CET, and hold until the next one. A quote you find on Saturday is Friday's quote; on Sunday it is still Friday's until the new week opens.

How current is the rate on this page?

Look at the quote date and the source printed with the result - that is the only answer that means anything for the exact pair you picked. The feeds behind this page refresh once a business day rather than tick by tick, so treat the figure as today's reference rate, not a live dealing price. If the feeds cannot be reached, the page falls back to a rate table bundled at build time and says so in the notes beneath the chart.

Why can't I see a chart or a historical rate for some currencies?

Because no free daily series exists for them. The European Central Bank publishes a reference rate for 31 currencies going back to 1999, and that is the only open daily history available; anything else would have to come from a paid vendor. Any pair built from those 31 gets a chart and a date lookup. Pairs outside that set still convert at the current rate from the full table of 162 currencies - you simply cannot see where the pair has been.

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