Currency Converter

Convert between 150+ currencies with live exchange rates. Rates updated hourly.

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From

Rates from open.er-api.com · Cached for 1 hour · For reference only

What is Currency Converter?

A currency converter translates amounts between world currencies using exchange rates. Understanding the rate landscape matters: the mid-market rate (also called the interbank rate) is the real exchange rate shown on Reuters, Bloomberg, and Google Finance — it is the midpoint between buy and sell prices in the wholesale market. Banks typically add a 2–5% markup over mid-market. Travel cards from providers like Wise and Revolut charge 0–1% over mid-market. Airport exchange booths often apply markups of 8–15%. Rates shown in this tool are indicative — they update periodically and your actual conversion rate will depend on your provider, the transaction amount, and the exact moment of conversion.

How to use

Select the source currency — the currency you are converting from.
Enter the amount you want to convert.
Select the target currency — the currency you want to convert to.
Read the converted amount and the indicative exchange rate used for the calculation.

Why it matters

Hidden FX markups cost international travelers and businesses billions annually. Dynamic currency conversion — where a foreign merchant or ATM offers to charge you in your home currency — typically adds 3–7% above mid-market, framed as a convenience. Knowing the real mid-market rate lets you evaluate these offers accurately and decline when the cost is unreasonable. For international business invoicing and contracts, specifying which party bears currency risk and at which rate it will be settled is a material financial decision that belongs in the contract terms.

Pro tip

For travel, compare your bank's advertised rate to the mid-market rate before deciding how to pay. Cards from Wise, Revolut, and Charles Schwab debit charge 0–1% over mid-market. Traditional bank cards typically charge 2–5%. On a $5,000 trip that difference is $100–250 in avoidable FX fees — significant enough to justify switching to a low-FX card before your next international trip.

Frequently Asked Questions

Exchange rates are fetched from open.er-api.com, a public currency data API. The API updates rates approximately every hour. Your browser also caches the most recently fetched rates for up to 1 hour, so the rates you see are refreshed at least once per hour when you are online. A warning banner is displayed if fresh rates could not be retrieved.

The converter supports over 150 world currencies, including all major currencies (USD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, INR, MXN) as well as a broad range of emerging market and smaller national currencies. The full list is available in the currency dropdown.

This converter shows current live rates only and does not currently provide access to historical exchange rate data. For historical rates, resources such as OANDA, XE.com, or the European Central Bank's Statistical Data Warehouse provide free historical exchange rate databases.

Exchange rates fluctuate continuously based on supply and demand in global foreign exchange (forex) markets, which trade over $7 trillion per day. Key drivers include interest rate decisions by central banks, inflation data, economic growth indicators, trade balances, and geopolitical events. Major rate announcements — such as US Federal Reserve or European Central Bank decisions — can cause significant short-term fluctuations.

No — this tool is completely free with no subscription, no sign-up, and no per-use charges. The exchange rates shown are mid-market reference rates. When you exchange money at a bank, bureau de change, or payment service, they will typically apply a spread or fee on top of the mid-market rate.

The rates are mid-market rates sourced from open.er-api.com and are suitable for reference and estimation purposes. They do not include bank spreads, transaction fees, or the rates offered by specific financial institutions. For actual currency exchange or international money transfers, always confirm the rate and total cost with your bank or exchange service.

Exchange rates are fetched from open.er-api.com, a free public API. Rates are refreshed approximately every hour.

Rates are updated approximately every hour and cached in your browser for 1 hour. A warning is shown if cached rates may be stale.

This tool is for reference only. For financial transactions, always use your bank or broker's official rates, which include fees and spreads.