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Currency Converter

Pick two currencies and type an amount to convert it at the day's European Central Bank reference rate, with the publication date shown under the result. These are mid-market rates: banks and card providers usually add 0.5–4% plus fees. Your amount stays in your browser; only the currency codes are used to look up the rate.

Your input stays in your browser

Updated

Please note

Exchange rates are daily reference rates and are approximate. They change constantly and do not include the margin or fees your bank or provider will apply. Do not rely on them for trading or accounting.

How to use the Currency Converter

  1. 1Pick the currency you are converting from and the one you are converting to.
  2. 2Type an amount — the conversion updates immediately.
  3. 3Use the swap button to reverse the direction.
  4. 4Check the date shown under the result to see when the rate was published.

How it works

Rates come from a public reference feed that republishes the European Central Bank's daily rates. These are the mid-market reference rates published each working day at around 16:00 CET — the same figures news outlets quote.

A reference rate is not what you will be charged. Banks, card networks and money transfer services add a margin on top, typically between 0.5% and 4%, and may charge a separate fee. Treat the number here as the honest midpoint the retail rate is measured against, not a quote.

Rates are fetched once and cached for an hour, since the source only updates daily. When the feed cannot be reached the tool says so plainly and shows no figure, rather than falling back to a stale or invented rate.

The amount you type is never sent anywhere. Only the currency codes are used to look up a rate; the arithmetic happens in your browser.

Tips and common mistakes

  • Check the date shown under the result; rates are published once each working day.
  • Add your provider's margin when budgeting. Banks and card schemes typically charge between 0.5% and 4% over the reference rate.
  • When paying by card abroad, choose to pay in the local currency if the terminal offers a choice.
  • For large transfers, compare what each provider actually delivers after fees, not just the rate they show.

Frequently asked questions

How often are the rates updated?
The source publishes once each working day, around 16:00 Central European Time. There are no updates at weekends or on European public holidays.
Why does my bank give me a different rate?
These are mid-market reference rates — the midpoint between buy and sell prices. Retail providers add a margin, usually 0.5% to 4%, plus any fixed fee.
Can I use these rates for accounting?
No. Use the official rate your tax authority or accounting standard requires, which is usually a specific published rate for a specific date.
Why is a currency missing?
The reference feed covers around thirty widely traded currencies. Pegged and thinly traded currencies are not included.
What is the mid-market rate?
The midpoint between the buying and selling prices of a currency. It is the fairest single figure, and the one retail rates are measured against.
Should I pay in my home currency when abroad?
Usually not. When a card terminal or cash machine offers to charge you in your home currency, it applies its own exchange rate, which is normally worse than your card issuer's. Choosing the local currency is usually cheaper.
Is the amount I type sent anywhere?
No. Only the currency codes are used to look up the rate. The amount stays in your browser and the arithmetic happens there.
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