Currency Converter

Live exchange rates for 160+ world currencies, updated daily

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Exchange rates provided by Frankfurter / European Central Bank

Popular USD Pairs

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🇺🇸 Base: USD

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About This Currency Converter

This free currency converter gives you live mid-market exchange rates for over 160 world currencies, sourced from the European Central Bank via the Frankfurter API. Rates are updated once per business day on bank business days.

Convert between any two of 160+ currencies with live, daily-updated rates.
Track historical trends with interactive 7-day, 1-month, 3-month, and 1-year charts.
See popular USD pairs at a glance, including day-over-day change.
Search and sort the full rate table by currency, country, or rate.
One-tap swap and quick-amount buttons for fast conversions.

How to Use a Currency Converter

Quick Answer

To convert currency, multiply the amount in your starting currency by the current exchange rate for the currency you want. For example, if 1 US Dollar equals 0.92 Euros, then $100 converts to 100 × 0.92 = €92. This tool does that calculation automatically using live rates.

Exchange rates change constantly based on global supply and demand, interest rates, inflation, and economic news. The rate shown here is the mid-market rate — the midpoint between the buy and sell prices on the global currency markets. Banks and money transfer services typically add a margin on top of this rate, so the amount you actually receive when exchanging cash or sending money abroad may be slightly different.

Understanding Exchange Rates

What is a mid-market rate?

The mid-market rate, sometimes called the "real" or "interbank" rate, is the midpoint between what buyers are willing to pay and what sellers are willing to accept for a currency on the open market. It's the rate you'll see quoted on financial news sites and in this converter, and it's the benchmark used by large institutions trading currency.

Why do banks charge a different rate?

Banks, credit cards, and money transfer companies typically apply a markup of 1% to 4% above the mid-market rate, plus possible flat fees. This markup is how many providers make money on currency exchange, even when they advertise "no fees." When comparing services for an international transfer or travel money, it helps to compare the rate you're offered against the live mid-market rate shown here.

How often do rates update?

The rates in this tool are sourced from the European Central Bank, which publishes a reference rate once each business day around 16:00 CET. Rates do not update on weekends or major European holidays, since that's when the underlying market data is published. For intraday trading or time-sensitive transfers, rates can move slightly from the last published reference rate.

Frequently Asked Questions

Not exactly. This tool shows the mid-market exchange rate, which is the baseline rate used in global currency markets. Banks, ATMs, currency exchange counters, and money transfer services typically add their own markup on top of this rate, often between 1% and 4%, plus sometimes a flat fee. Use this rate as a benchmark to compare how competitive a provider's offer is, not as the exact amount you'll receive.

Exchange rate data is published once per business day by the European Central Bank, typically around 16:00 CET (Central European Time), which is roughly 10:00 AM Eastern Time. Rates are not published on weekends or on major European bank holidays, so the rate shown may reflect the most recent business day's close rather than a brand-new figure.

To get the best deal on an international money transfer, compare the total cost — the exchange rate markup plus any transfer fees — across a few providers, such as your bank, a dedicated transfer service, or a money transfer app. Look for services that advertise the mid-market rate with a transparent, separate fee, since that's often cheaper than a "no fee" transfer with a hidden markup baked into the rate. The Consumer Financial Protection Bureau (CFPB) offers guidance on comparing international money transfer providers.

No. This converter covers fiat (government-issued) currencies only, sourced from central bank reference data. Cryptocurrency prices are far more volatile and trade continuously across many exchanges, so they require a different type of live market data feed than this tool provides.

US taxpayers with foreign bank accounts, foreign income, or certain foreign transactions may have reporting requirements with the IRS, such as converting foreign income to US dollars using an appropriate exchange rate for tax filings. This tool can help you find a reference rate for a given day, but for official tax purposes the IRS provides guidance on acceptable exchange rate sources at irs.gov, and a tax professional can advise on your specific situation.

About This Tool & Editorial Standards

Toolriz Calculators Team

Content reviewed for accuracy of currency and exchange rate information

Last updated: June 2026

Exchange rate data is sourced live from the Frankfurter API, which aggregates official European Central Bank reference rates for over 30 major currencies and extends coverage to 160+ currencies through supplementary daily data. Rates are provided for informational purposes only and should not be used as the sole basis for financial decisions. Always confirm the exact rate with your bank or transfer provider before completing a transaction.