Exchange rates from the European Central Bank
This converter uses the euro reference rates the European Central Bank (ECB) publishes every working day. The ECB publishes them for information, without any bank margin, which makes them a fair benchmark for comparing what banks and exchange offices charge. The site checks for new rates several times a day.
The ECB covers 29 currencies besides the euro. For the UAE dirham, Saudi riyal, Qatari riyal, Kuwaiti dinar, Egyptian pound, Moroccan dirham and the other currencies it does not publish, the converter adds the free daily rates of ExchangeRate-API, which are updated once a day. Each result shows which source and which date it uses.
Examples at the rates of October 7, 2026:
| Convert | Rate | 100 becomes |
|---|---|---|
| USD to EUR | 1 USD = 0.89469 EUR | 89.47 EUR |
| EUR to USD | 1 EUR = 1.1177 USD | 111.77 USD |
| GBP to USD | 1 GBP = 1.3205 USD | 132.05 USD |
| USD to CAD | 1 USD = 1.4253 CAD | 142.53 CAD |
| USD to MXN | 1 USD = 18.094 MXN | 1,809.39 MXN |
| USD to JPY | 1 USD = 158.23 JPY | 15,822.67 JPY |
Popular currency pairs
Each pair has its own page with the rate, a table of common amounts in both directions and a short note on what moves it.
- USD to EURUS dollar to euro
- EUR to USDEuro to US dollar
- GBP to USDBritish pound to US dollar
- USD to GBPUS dollar to British pound
- USD to INRUS dollar to Indian rupee
- USD to MXNUS dollar to Mexican peso
- USD to CADUS dollar to Canadian dollar
- CAD to USDCanadian dollar to US dollar
- USD to JPYUS dollar to Japanese yen
- AUD to USDAustralian dollar to US dollar
- USD to PHPUS dollar to Philippine peso
- EUR to GBPEuro to British pound
- GBP to EURBritish pound to euro
- USD to AEDUS dollar to UAE dirham
- AED to INRUAE dirham to Indian rupee
- USD to PKRUS dollar to Pakistani rupee
- EUR to INREuro to Indian rupee
- GBP to INRBritish pound to Indian rupee
- USD to CNYUS dollar to Chinese yuan
- USD to KRWUS dollar to South Korean won
- USD to BRLUS dollar to Brazilian real
- USD to NGNUS dollar to Nigerian naira
- SAR to INRSaudi riyal to Indian rupee
- CHF to EURSwiss franc to euro
- USD to TRYUS dollar to Turkish lira
What the fee really costs
When you pay with a card abroad or exchange cash, you rarely get the reference rate. The difference is the fee, whether your bank calls it a foreign transaction fee or hides it in a worse rate. On a two-week trip with $3,000 of spending, a 3% card fee would cost $90 and a 6% exchange margin $180. A card without foreign transaction fees is a simple way to keep more of your money. If you split a dinner bill abroad, the tip and split calculator does the per-person share, and the salary converter turns an offer abroad into hourly, monthly and yearly figures.
How to use the currency converter
- 1Enter the amount and pick the currency you have and the one you want. The swap button turns the direction around.
- 2Add your bank or card fee to see what you get after the fee.
- 3Use the tables for quick amounts in both directions, handy as a cheat sheet when you travel.
Frequently asked questions
Where do the exchange rates come from?
From the European Central Bank, which publishes euro reference rates for 29 currencies every working day at around 4 pm Central European Time. Rates between two non-euro currencies, like dollars to pounds, are calculated through the euro. For about 20 currencies the ECB does not cover, such as the UAE dirham, the Pakistani rupee and the Nigerian naira, the converter uses the free daily rates of ExchangeRate-API. On weekends and holidays the last published rates apply.
Why does my bank give me a different rate?
Reference rates are published for information and include no margin. Banks, card companies and exchange offices add a margin or fee on top, and the size varies a lot between providers. Enter your fee to see what you actually get.
Should I pay in local currency or in my home currency abroad?
When a card terminal or ATM offers to charge you in your home currency, that is called dynamic currency conversion: the terminal’s provider sets the exchange rate and its margin instead of your card. Compare its rate with the reference rate here plus your card’s fee. If you cannot compare, paying in local currency leaves the conversion to your own card.
Are the rates live?
They are updated once a day, not by the second. That is accurate enough for travel, budgeting and invoices, but not for trading. For a payment, the rate on your bank statement is the one that counts.
Which currencies are included?
50 currencies: the euro and the 29 currencies with an official ECB reference rate, including the US dollar, euro, British pound, Japanese yen, Swiss franc, Canadian and Australian dollar, Chinese yuan, Indian rupee and Mexican peso, plus 20 more such as the Saudi riyal, Egyptian pound, Vietnamese dong, New Taiwan dollar and Argentine peso.