Convert between 30+ world currencies using live daily exchange rates from the European Central Bank — no login, no ads, no markup.
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Exchange Rate
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Quick reference
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Rates are official ECB (European Central Bank) reference rates, updated once per business day around 4pm CET. This is the mid-market rate — banks and services like Wise, PayPal, or Revolut typically add a markup of 0.5–4% on top of this when you actually exchange money, so use this as a reference point, not the exact rate you'll get.
Quick answers
Why does my bank give me a different rate?
This tool shows the mid-market rate — the real, unmarked exchange rate used between banks. Consumer services (your bank, PayPal, airport kiosks) add a markup on top, often 1–4% for banks and cards, and sometimes more at airport currency exchanges. Wise and a few other services are known for charging closer to the mid-market rate with a transparent fee.
How often are rates updated?
Once per business day, around 4pm CET, based on European Central Bank reference rates. Rates don't update on weekends or ECB holidays, so if you check on a Saturday you'll see Friday's rate. This is standard for free reference-rate APIs; real-time forex trading rates fluctuate by the second and aren't publicly available for free.
Can I convert cryptocurrency here?
No, this tool covers standard fiat (government-issued) world currencies only. Crypto exchange rates move far more rapidly and would need a different data source.
How to use this converter
It multiplies your amount by a reference rate for the pair you pick. That is the whole calculation, and it is also why the number will not match what the bank gives you.
Enter the amount you are converting, then choose the two currencies. The order matters: the top box is what you are converting from.
Read the rate as well as the result. "One dollar is 0.92 euro" is a sentence you can check against a quote; a converted total on its own is not.
Check the date. Rates update on working days, so a weekend or holiday shows the previous fix rather than a live price.
For an invoice or a contract, use the rate the document specifies, not the one on this page. An agreed rate is a term of the deal.
For a trip, apply the markup your card or exchange counter charges on top of the reference rate to see what you will really pay.
A worked example: $250 at a 0.92 rate
At a reference rate of 0.92 euro per dollar, $250 converts to €230. That is the mid-market figure, which is the midpoint between buyers and sellers rather than a price anyone offers retail.
Now a card that charges 2.5% on the conversion. It applies a rate of 0.92 × 0.975, or about 0.897, so the same $250 becomes €224.25. The difference is €5.75, or 2.5% of the amount, and it does not appear anywhere on your statement as a fee. It is baked into the rate.
Scale that up. On $4,000 of travel spending, the same markup is $100 of buying power that never shows up as a line item. Comparing a card's foreign transaction fee against another's is the difference between getting that money back and not.
What your results mean
The number is a reference conversion, not a quote. Banks, card networks, and exchange counters all add a spread on top of the mid-market rate, and airport counters tend to add the largest one. If your statement comes out worse than this page, that is the spread, not an error.
Rates move. This page republishes reference rates from the European Central Bank through the Frankfurter API, and those are fixed once per working day. A Saturday conversion still uses Friday's rate, which is why a weekend figure can look stale against a live trading screen.
Do not settle a contract with this number when the contract names a source and a date — a central bank fix on a specific day, for example. Use the specified rate. This page is for planning a trip, sizing a purchase, or sanity-checking an invoice.
There is no fee calculation here and no forward rate. If you need to lock a rate for a future payment, that is a banking product rather than arithmetic.
Frequently asked questions
Why is my bank's rate worse than this one?
Because the mid-market rate is not a retail price. Banks and cards add a spread of roughly 1% to 3% on top, which is how they cover the conversion. The gap is the cost.
How current are the rates?
They follow the ECB's reference rates, which are published each working day. Weekends and holidays reuse the last published figure, so the page can be a day or two behind a live market.
Can I use this to price an invoice?
Only if the invoice does not specify a rate. When a contract names a source and a date, that rate governs. Using today's reference rate against a contract that names another is how disputes start.
Why does the converted amount change between visits?
Because the underlying reference rate changes each working day. The arithmetic is identical; the input moved.
Is the amount I type sent anywhere?
The number stays in your browser, but the page does request the rate list from the public Frankfurter API, which is how it stays current. The privacy policy describes that request.
Which currencies are included?
The list follows what the ECB publishes reference rates for, which covers the major currencies. A currency outside that list will not appear here, and a parallel or unofficial rate is not something this page can supply.
Sources & references
The rates are the ECB's, delivered through Frankfurter. This page does not generate them.