Convert between 30+ currencies with daily exchange rates from the European Central Bank. Swap in one tap — and it keeps working offline.
🔄 Rates from the European Central Bank via the keyless Frankfurter API. Mid-market rates — your bank adds a margin.
Price hotels, tours and meals in your home currency before you go — the quick table covers your most-used pairs at a glance.
See what that overseas listing really costs. Remember card networks add ~1–3% over the mid-market rate shown here.
On a plane or with no signal? The last rates are cached, so conversions keep working — with the date shown.
Published exchange rates are mid-market rates — the midpoint between what buyers and sellers are offering on the interbank market. Almost nobody transacts at that rate. What you are offered is the mid-market rate plus a margin, and that margin is frequently the entire cost of the transaction even where the service advertises no fee.
"Zero commission" and "no fees" usually mean the charge is built into the rate rather than absent. Airport bureaux commonly apply spreads of 5 to 12 percent, which dwarfs any explicit fee. Comparing providers therefore means comparing the amount actually received, not the advertised fee.
Card transactions abroad add their own layers: the network's rate, plus a foreign transaction fee from the issuer, typically around 3 percent unless the card is specifically designed for travel. Cash withdrawals add an ATM fee and sometimes a cash advance charge that accrues interest immediately.
When a card terminal or website abroad offers to charge you in your home currency rather than the local one, declining is essentially always correct. This is dynamic currency conversion, and the exchange rate applied is set by the merchant's provider rather than by your card network — typically 3 to 7 percent worse than the network rate.
It is presented as a convenience and framed to sound reassuring: you see the amount in familiar currency, so there is no uncertainty. The uncertainty it removes costs several percent, and the merchant's provider keeps the margin.
Choose the local currency and let your card issuer convert. Even a card with a foreign transaction fee usually beats dynamic conversion. The same applies to being asked at an ATM whether to accept a "guaranteed" rate — decline it.
Exchange rates float continuously against each other, driven by interest rate differentials, inflation expectations, trade flows, and market sentiment. Major pairs move fractions of a percent in a normal day and considerably more around central bank decisions or political events, so a rate quoted this morning may not hold this afternoon.
Rates are quoted as a pair with a direction, and reversing them is a matter of taking the reciprocal — a common source of confusion when a quote looks implausible. Some currencies are pegged to another rather than floating, which makes them stable until a peg is abandoned, historically an abrupt event.
Any converter, including this one, reflects a rate at a point in time and is suitable for estimation rather than for transacting. For an actual transfer, compare the final amount received across providers, and be aware that weekend rates are stale because interbank markets are closed.
The European Central Bank publishes reference rates once each business day (around 16:00 CET). Weekends and holidays use the last published rates.
The ECB tracks ~30 major currencies. Pegged or less-traded currencies (and crypto) aren't included. For those, a specialist source is more accurate.
Only your last-used currencies and the cached rates are stored in your browser. The amounts you type are never sent anywhere except the public rate API for the date.
No. That is dynamic currency conversion, and the rate is set by the merchant's provider — typically 3 to 7 percent worse than your card network's. Always choose the local currency.
Published rates are mid-market. Providers add a margin, and "no fee" usually means the charge is inside the rate. Compare the amount you actually receive, not the advertised fee.