Where do I get real-time rates?

wise.com, xe.com, oanda.com, or your bank app. For business use cases, services like Stripe or Wise have real-time APIs.

Why is my bank rate worse than this calculator?

Banks build in a 1-3% margin (sometimes more for exotic currencies) on top of the mid-market rate. That's how they make money on currency conversions.

What is the "mid-market" rate?

The midpoint between the global currency market's buy and sell quotes — the rate banks pay each other. Public references like the European Central Bank's daily reference rate or Reuters fixings track this. Retail customers always pay above mid-market because intermediaries take a spread.

Are exchange rates regulated?

In most major economies the rate floats and is set by market supply/demand. Some countries peg to the USD or EUR (Hong Kong, Saudi Arabia, etc.) or operate managed floats (China). The IMF publishes a classification of every member country's exchange-rate regime.

Where do I get real-time rates?

wise.com, xe.com, oanda.com, or your bank app. For business use cases, services like Stripe or Wise have real-time APIs.

Why is my bank rate worse than this calculator?

Banks build in a 1-3% margin (sometimes more for exotic currencies) on top of the mid-market rate. That's how they make money on currency conversions.

What is the "mid-market" rate?

The midpoint between the global currency market's buy and sell quotes — the rate banks pay each other. Public references like the European Central Bank's daily reference rate or Reuters fixings track this. Retail customers always pay above mid-market because intermediaries take a spread.

Are exchange rates regulated?

In most major economies the rate floats and is set by market supply/demand. Some countries peg to the USD or EUR (Hong Kong, Saudi Arabia, etc.) or operate managed floats (China). The IMF publishes a classification of every member country's exchange-rate regime.

Currency Converter

Convert between 30 major world currencies using a snapshotted static rate table — clearly marked, not live.

Inputs

Amount

05,000

FromTo

Result

1,000 USD =

920 EUR

Static rate snapshot — 2026-05-20. Not live.

⚠ Snapshot dateRates are illustrative, NOT live. For real conversions check xe.com, your bank, or your broker.2026-05-20
1 USD= 0.92 EUR
1 EUR= 1.087 USD
Equivalent in USD1,000 USD
Covered currencies30 (the BIS top-30 most-traded — USD, EUR, JPY, GBP and 26 majors).

How to use this calculator

Enter the amount in the source currency.
Pick the source currency (From) and target (To).
Read the converted amount + the per-unit exchange rate.

About this tool

A quick-reference currency converter using approximate static rates for the world's most-used currencies. Real exchange rates fluctuate every minute, so the answer here will be off by 0.5-2% from what your bank actually gives you. Use this for back-of-envelope math (rough trip budget, comparing prices across countries, rough salary comparison) — for actual money transfers, check a live source like wise.com or your bank app. Note that bank/credit-card conversions add a 1-3% margin on top of the mid-market rate, so add that buffer to your real cost.

How it works — the formula

amount_in_target = amount_in_source × (rate_to_USD_target / rate_to_USD_source)
  equivalently: amount × (USD_per_source) × (target_per_USD)

Foreign-exchange conversion goes via a common base (here, USD). The rate quoted as "1 source = R target" already encodes both legs. Live retail rates differ from the inter-bank "mid-market" rate by a spread of 0.5–3% (and up to 10% on exotic pairs at airport kiosks). The European Central Bank publishes a daily reference rate, the Federal Reserve publishes its H.10 daily release, and the Bank for International Settlements (BIS) compiles cross-rate effective indices.

Sources: European Central Bank — Euro foreign-exchange reference rates · Federal Reserve H.10 — Foreign Exchange Rates · Bank for International Settlements — exchange-rate statistics · IMF — Annual Report on Exchange Arrangements and Exchange Restrictions (AREAER)

Worked examples

Example 1

USD → EUR (rough)

Inputs:: $1,000 at 1 USD = 0.92 EUR
Output:: €920 at the static rate; expect bank to deliver ~€905–€915 (1–2% spread)

Example 2

Cross rate via USD

Inputs:: €500 to GBP given EUR/USD and GBP/USD
Output:: €500 → $543.48 (÷ 0.92) → £429.35 (× 0.79); rounded: £429

Example 3

Spread cost

Inputs:: $10,000 transfer with 2% bank spread
Output:: Receiver gets ~$9,800-equivalent; $200 hidden in the rate margin

Limitations

Rates here are STATIC reference values, not live — for real money movement, use a live-rate provider.
Bank-card foreign-transaction fees (often 1–3%) stack on top of the spread; budget accordingly.
Exotic / pegged / dual-rate currencies may show two-three different rates (official vs parallel) — treat published rates with skepticism in those markets.
Currency conversions are subject to anti-money-laundering reporting in most countries above thresholds (e.g. $10,000 in the US per FinCEN).

Static rates are a planning aid only. This calculator does not provide financial advice and is not a foreign-exchange dealer. For actual conversions, get a live quote from a regulated provider.

Frequently asked

Live exchange-rate APIs cost money or rate-limit aggressively. For most casual use cases (rough budgeting, price comparison) static rates within 1-2% are enough. Banks add 1-3% spread anyway.