Currency Converter

Convert between 30 world currencies using live mid-market rates from the European Central Bank (ECB). Includes USD, EUR, GBP, JPY, CHF, CAD, AUD, CNY and more. View the 30-day rate history chart, reverse rate, and quick popular pairs. Free, no signup, runs in your browser.

100 USD =
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Rate history

Currency rate evolution

Popular pairs

What Is a Currency Converter and How Does It Work?

A currency converter is a tool that translates an amount from one currency into another using the current exchange rate. This free online currency converter uses live mid-market rates published daily by the European Central Bank (ECB) — the same reference rates that banks, accountants and journalists use as a neutral benchmark. You enter the amount, pick the source and target currencies, and the converted value appears instantly along with the live exchange rate and a 30-day history chart.

Behind the scenes, every conversion uses a single formula: converted_amount = amount × (rate_target ÷ rate_source), where rates are expressed against a common base (the euro, in the ECB feed). All rates and historical data are fetched from the public Frankfurter API, a free ECB proxy with no signup, no API key and no quota. Results are cached in your browser for 24 hours, so repeat conversions are instant and the page works even when you go briefly offline.

How to Use This Currency Converter — Step by Step

The interface is intentionally minimal. You only need three pieces of information and you can switch them on the fly without reloading the page.

Step 1 — Enter the amount. Type any number, large or small. The converter handles decimals natively (try 49.99 or 0.05) and supports values up to the trillions for accounting and corporate-treasury use cases.

Step 2 — Pick the source currency in the "From" dropdown. All 30 currencies tracked by the ECB are available: the major ones (USD, EUR, GBP, JPY, CHF, CAD, AUD, NZD), Asian currencies (CNY, HKD, SGD, KRW, INR, IDR, THB, MYR, PHP), Nordic (NOK, SEK, DKK, ISK), emerging markets (BRL, MXN, ZAR, TRY, ILS), and Central/Eastern European (PLN, CZK, HUF, RON).

Step 3 — Pick the target currency in the "To" dropdown. The result updates the moment you change either currency. Use the circular swap button between the two dropdowns to reverse the direction instantly — useful when you want to check both sides of a quote (e.g. how many USD a 100 EUR purchase will cost).

Why ECB Rates and How They Differ from Your Bank Rate

The European Central Bank publishes reference foreign exchange rates every business day at around 16:00 CET. These rates are the average of buy and sell quotes from a large pool of banks, calculated against the euro. They are widely considered the most neutral, transparent benchmark in the industry — which is why this converter uses them.

Your bank, broker or card provider will not give you the ECB rate. They apply a spread (typically 0.5% to 3% for retail customers, plus a fixed fee on small amounts) to cover their own currency-conversion risk. The ECB mid-market rate shown here is the reference number you should compare any quote against to know if you are getting a fair deal. For business invoicing, accounting and tax reporting in the EU, the ECB rate of the relevant business day is also the legally accepted reference.

Weekends, Bank Holidays and Stale Rates

The ECB does not publish rates on weekends or eurozone bank holidays. On those days, this converter shows the most recent published rate (typically Friday's close). The history chart skips the gap entirely instead of drawing flat lines. This is the standard behaviour of every professional FX reference feed.

Reading the 30-Day History Chart

The chart below the result shows how the exchange rate evolved over the last 7, 30 or 90 days. The bottom stats display the period change (in % and absolute units), the minimum and the maximum. This is useful for spotting whether you are converting at an unusually high or low point in the recent trend. For long-term planning — for example, deciding when to repatriate foreign earnings or hedge a transfer — a quick glance at the 90-day chart can save you noticeable amounts.

For long-term investment decisions or hedging, this chart is a starting point, not a forecasting tool. Exchange rates depend on interest rate differentials, capital flows, central-bank policy and geopolitical events — none of which are predictable from historical price action alone.

Privacy, Caching and Offline Behaviour

This currency converter runs entirely in your browser. The only outbound network call is to the Frankfurter API to fetch the latest ECB rates. There is no analytics on your conversions, no account, no history of what you converted — your amounts never leave your device. Rates and 90-day history are cached in localStorage for 24 hours: after the first load, the tool works instantly and even briefly without an internet connection. Use the reset button to clear cached rates and start fresh.

Real-World Conversion Examples

Travel money — 1,200 USD to EUR for a Europe trip
Amount:        1,200 USD
Rate:          1 USD ≈ 0.92 EUR  (ECB mid-market)
Result:        1,104 EUR

Your card provider will typically apply a 0.5%-3% spread, so
expect to receive between 1,070 EUR (3% spread) and 1,098 EUR (0.5%).
The difference between these two cards = ~28 EUR on a single trip.
Freelance invoice — 5,000 EUR billed to a UK client
Invoice:       5,000 EUR
ECB rate:      1 EUR ≈ 0.86 GBP  (use the day you invoice)
Equivalent:    4,300 GBP

For EU accounting, use the ECB reference rate of the invoice date.
Lock the rate in your accounting tool the day the invoice is issued
to avoid retroactive adjustments at year-end.
E-commerce pricing — 49.99 USD product in JPY
USD price:     49.99 USD
ECB rate:      1 USD ≈ 157 JPY
JPY price:     7,849 JPY

Round to a culturally consistent price point: 7,800 JPY (under) or
7,980 JPY (just under 8,000). Avoid 7,849 — odd numbers signal a raw
conversion, which hurts conversion rate on the storefront.

The exchange rate you see is not the exchange rate you get

Editor’s note — by Amine H., last reviewed 27 May 2026.

The number on this page is the European Central Bank’s daily reference rate — a mid-market rate, published once a day at around 16:00 CET, used for accounting and reference but rarely for actually exchanging money. The rate your bank, your broker, or Western Union gives you is materially different, and the difference is where their margin lives. Here is what changes between the screen and the wire.

Mid-market rate vs retail rate

The mid-market rate (sometimes called interbank rate) is the midpoint between the rate at which banks buy a currency and the rate at which they sell it. The ECB publishes this for euro pairs daily. Wise, XE and similar services use it on their home page to make their rate look better than it is. Your actual transaction will be at the retail rate, which adds a spread (typically 0.3–5% depending on the provider) and a transfer fee.

Spreads in practice

Wise / Revolut / Currency.com: typically 0.3–0.6% spread on major pairs, weekend surcharge for stocks. Traditional retail banks: 2–5% spread plus per-transaction fees. Airport currency exchanges: 5–15% spread, the worst place on earth to convert cash. Tourist debit cards: variable, sometimes good with no-foreign-fee accounts, sometimes 3% on top of an already-bad rate. The mid-market number gives you a benchmark for comparing them.

Why the ECB reference rate is one number for all of Europe

The ECB does not set exchange rates — the EUR is a floating currency, its value is determined by the market. The 16:00 reference rate is a daily snapshot computed by polling several major banks for their bid and ask quotes against the euro. It is published for statistical, accounting, and tax purposes (most European companies use it to revalue foreign-currency assets at year-end). It is not a tradable rate.

Why rates move

In the short term: interest-rate differentials (carry trade), capital flows, central bank announcements. In the long term: relative inflation rates (purchasing power parity), trade balances, productivity differentials. Daily moves under 0.5% are noise; moves of 1–2% in a session usually have a specific cause (rate decision, surprise data, geopolitical shock). The calculator above shows you the snapshot, not the trajectory — for that, check the 7/30/90-day history chart.

When the rate matters and when it does not

For a tourist exchanging €500 of cash, the difference between 0.85 and 0.87 GBP/EUR is ten pounds — relevant. For an importer hedging a six-figure invoice over 60 days, that same spread is thousands and forward contracts or options become worth the friction. For a salaried worker remitting money home monthly, picking a low-spread service like Wise compounds to hundreds or thousands per year. The calculator is the benchmark you compare against to know whether you are being overcharged.

Takeaway: The conversion shown here uses the ECB daily mid-market rate, cached for 24 hours. It is the benchmark, not the price you will pay. Before sending money in any meaningful amount: get a quote from your provider, compute the implied spread versus this number, and compare across two or three providers. For amounts above a few hundred euros, the choice of provider matters more than the timing of the transaction.

Sources: ECB euro reference exchange rates · Mid-market vs retail rate (Wise) · BIS Triennial Survey of FX markets.

Frequently Asked Questions

All rates and historical data come from the European Central Bank (ECB), served via the free public Frankfurter API (api.frankfurter.dev). The ECB publishes mid-market reference rates every business day at around 16:00 CET. These are the same rates used by professional accounting tools, the financial press and EU tax authorities as a neutral benchmark.

The ECB publishes new rates once per business day, in the late afternoon (Central European Time). This converter checks for fresh rates the first time you load the page and then caches them in your browser for 24 hours. To force a refresh sooner, click the Reset button or reload the page in a private window. Weekends and eurozone bank holidays show the previous business day's closing rate.

You are seeing the mid-market rate — the midpoint between the buy and sell quotes that big banks trade with each other. Retail providers (banks, card networks, money transfer services) add a spread of 0.5% to 3%, plus sometimes a fixed fee. The ECB rate shown here is the reference number to compare quotes against. The smaller the gap between your provider's rate and this one, the better the deal.

All 30 currencies in the ECB reference basket: AUD, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, ISK, JPY, KRW, MXN, MYR, NOK, NZD, PHP, PLN, RON, SEK, SGD, THB, TRY, USD and ZAR. This covers the world's major reserve currencies and the most actively traded emerging-market currencies. If you need a currency not on this list (e.g. ARS, EGP, NGN, VND), consider a specialised provider — the ECB does not publish reference rates for those.

Yes. The ECB reference rate is the legally accepted benchmark for VAT reporting, intra-EU invoicing and customs declarations in most European jurisdictions. For each invoice, use the ECB rate of the date the invoice is issued (or the date the transaction occurs, per your local tax rule). For binding numbers, always cross-check with your accounting software and local tax guidance.

The chart shows 7, 30 or 90 days of historical rates for the selected pair. For longer time series, Frankfurter (and the underlying ECB feed) goes back to 1999. Open the browser developer console and run fetch('https://api.frankfurter.dev/v1/2010-01-01..2020-12-31?base=USD&symbols=EUR').then(r=>r.json()).then(console.log) to inspect a decade of data.

The ECB does not publish reference rates on weekends or eurozone bank holidays. Foreign exchange markets remain open over the weekend in some venues, but professional reference feeds (ECB, OECD, central banks) skip those days. This converter follows the same convention: weekends inherit the previous Friday's rate, and the chart leaves a small gap on those days rather than drawing a misleading flat line.

No personal data is collected. Your amounts and currency choices never leave your browser — they are only stored locally in localStorage so the page remembers your last conversion. The only outbound request is to the Frankfurter API to fetch the latest ECB rates. There is no log of who converted what, no signup, no cookies tied to your activity in the converter itself.

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