Exchange rates from the European Central Bank
This converter uses the euro reference rates the European Central Bank (ECB) publishes every working day. They are the midpoint between buying and selling prices on the currency market, without any 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 about 30 currencies. 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, also midpoint rates without a margin. 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 costs $90 and a 6% exchange booth margin $180. A travel card without foreign fees and paying in local currency are the two easiest ways to save 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 reference rates for about 30 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 the midpoint of the market. Banks, card companies and exchange offices add a margin on top, often 1 to 3 percent for cards and 5 to 10 percent at airport exchange booths. Enter your fee to see what you actually get.
Should I pay in local currency or in my home currency abroad?
Almost always in local currency. When a card terminal or ATM offers to charge you in your home currency, it uses its own rate, known as dynamic currency conversion, which is often 3 to 8 percent worse than your card rate.
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 30 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.