Currency Converter

Currency conversion turns an amount in one national or regional fiat money unit into an equivalent value in another. Whether you are budgeting for a trip, comparing international prices, or reviewing an invoice, understanding how exchange rates work helps you avoid surprises at the checkout or at the ATM.

Mid-Market vs Bank and Card Rates

The mid-market rate (sometimes called the interbank or reference rate) is the midpoint between what buyers pay and sellers receive on global currency markets. Banks, payment apps, and card networks rarely offer the mid-market rate to retail customers. Instead, they apply a spread (a markup) on top of the reference rate and may charge separate fees.

ECB Reference Rates and Frankfurter

When live data is available, this converter uses exchange rate information derived from European Central Bank (ECB) reference data, delivered through the Frankfurter public API. ECB reference rates are published on working days and are widely used as benchmarks for euro and other major currency pairs. They are ideal for estimates and education, not for binding contractual settlement.

Fiat Only: No Cryptocurrency

This tool covers government-issued fiat currencies such as USD, EUR, GBP, and JPY. Cryptocurrencies and stablecoins are not included because their pricing, liquidity, and fees follow different market rules than traditional foreign exchange.

Travel and Spending Tips

To convert an amount from currency A to currency B, multiply the amount by the exchange rate that expresses how many units of B equal one unit of A.

The displayed rate (1 unit of A equals x units of B) is the multiplier for a direct conversion. Inverse conversions use 1 divided by x, but always confirm direction before paying bills or sending wires.

Use this converter and apply the same logic when comparing quotes from banks or apps:

1. 1
   Enter the amount you want to convert in the source currency.
2. 2
   Select the currency you are converting from and the currency you need.
3. 3
   Submit the form to see the converted amount and the reference exchange rate.
4. 4
   Compare the result with your provider's quote, adding any stated fees or spread to estimate total cost.

Foreign exchange markets are most liquid for a handful of reserve and trade currencies. Below is a brief overview of widely used fiat units (ISO codes in parentheses).

Exotic or less liquid currencies may have wider spreads and fewer daily rate updates. Always confirm availability with your payment provider.