Where do the exchange rates come from?

Rates are pulled from the European Central Bank reference feed, which is published once per business day at ~16:00 CET. Mid-market rates — banks and bureaux will quote you spreads on top.

How accurate is mid-market vs the rate I get at a bank?

Mid-market is the wholesale rate; retail customers typically pay a 1–4% spread plus fixed fees. Multi-currency cards and digital banks (Wise, Revolut) usually offer rates close to mid-market.

Does it support cryptocurrencies?

This calculator covers fiat currencies only. For crypto-to-fiat conversion (BTC, ETH, etc.) we recommend using a dedicated exchange's order book for the most current price.

Currency Converter 2026 — 160+ Currencies

About This Currency Converter

The Currency Converter supports 160+ world currencies and is completely free to use. Exchange rates are sourced from open.er-api.com and refreshed every hour, giving you reliable mid-market rates for any currency pair. All calculations run entirely in your browser.

What Are Mid-Market Rates?

The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on global markets. It is the fairest benchmark for comparing exchange rates. Banks, travel money services, and payment providers typically add a margin of 1–5% on top of this rate — so the rate you actually receive will differ from the figure shown here. When you see a rate advertised at an airport or bureau de change, that business is applying its own spread or commission on top of the mid-market rate.

Common Currency Pairs

GBP/USD — British Pound to US Dollar, one of the most traded pairs globally
EUR/GBP — Euro to Pound, widely used for travel and trade
USD/EUR — US Dollar to Euro, the world's most liquid currency pair
GBP/JPY — Pound to Japanese Yen, popular for travel and investing
USD/INR — US Dollar to Indian Rupee, widely used for remittances
EUR/CHF — Euro to Swiss Franc, a classic safe-haven pair

Tips for Getting the Best Exchange Rate

Use this converter to benchmark what you should expect before exchanging currency. Compare rates from multiple providers, consider using fee-free travel cards (such as Wise or Revolut), and avoid airport bureaux de change which typically offer the worst rates. Even a 1% difference on a €1,000 exchange saves €10.

When to Use a Currency Converter

Travel planning — estimate your spending budget before you depart
Online shopping — check how much a foreign-currency price costs in your home currency
International transfers — compare the rate your bank offers against the mid-market rate
Business invoicing — convert amounts for multi-currency quotes or contracts
Investment research — understand the currency impact on overseas assets

How Often Do Exchange Rates Change?

Currency markets operate 24 hours a day, five days a week, and rates fluctuate constantly based on economic data, central bank decisions, geopolitical events, and market sentiment. Our tool refreshes rates hourly from a reliable data feed, so you always have a current and accurate baseline for your conversions.

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Important Note: This tool is intended to provide estimates and should not be used as a substitute for professional advice. Mid-market rates differ from rates offered by banks and money services. Always seek the counsel of a certified expert before taking action based on these results.

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