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Live exchange rates from global markets — 150+ currencies, updated daily.
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USD to EUR reference table
| Amount | Converted |
|---|
What actually moves exchange rates
Currency values shift constantly based on a handful of forces: interest rate decisions by central banks (higher rates tend to attract foreign investment and strengthen a currency), inflation (currencies in high-inflation economies tend to weaken over time), trade balances (countries that export more than they import see steadier demand for their currency), and overall investor confidence during political or economic uncertainty. None of these move in isolation, which is why rates fluctuate throughout every trading day.
Mid-market rate vs. what you actually pay
The rate this converter shows is the mid-market rate — the real, unmarked-up exchange rate. Banks, airport kiosks, and card networks almost always add a margin on top of it. Here's what that margin actually costs on a $1,000 conversion:
| Source | Typical markup | What $1,000 becomes |
|---|---|---|
| Mid-market rate (shown here) | 0% | Reference amount |
| Online transfer service (e.g. Wise, Revolut) | ~0.3–0.5% | ~$3–5 lost to fees |
| Typical bank or credit card FX fee | ~2–3% | ~$20–30 lost to fees |
| Airport currency exchange kiosk | ~7–10%+ | ~$70–100+ lost to fees |
Getting closer to the real rate
If you're converting money for travel or a transfer, a few habits make a real difference: use a card with no foreign transaction fee, decline "dynamic currency conversion" when a foreign card terminal offers to charge you in your home currency (it almost always uses a worse rate), and compare a transfer service's rate against your bank's rate before moving larger sums — the gap is often hundreds of dollars on amounts like a tuition payment or a home deposit abroad.
Common questions
How accurate are the exchange rates?
Our rates are sourced from the European Central Bank and major financial data providers, updated daily. They reflect the mid-market rate — the midpoint between buy and sell rates used by banks and financial institutions.
What is the mid-market exchange rate?
The mid-market rate is the midpoint between the buying and selling prices of two currencies. It's the "real" exchange rate you see on Google or Reuters. Banks and exchange services typically add a markup on top of this rate.
How often are rates updated?
Exchange rates are updated daily from reliable financial data sources. Currency markets are open 24 hours on weekdays, so rates can fluctuate throughout the day. Our rates reflect the most recent available data.
Which currencies are supported?
We support 150+ world currencies including US Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Canadian Dollar (CAD), Australian Dollar (AUD), Swiss Franc (CHF), Chinese Yuan (CNY), and many more.
Why do banks charge more than this rate?
Banks and currency exchange services add a markup (spread) to the mid-market rate to make a profit. The difference between our rate and what a bank charges is their fee. Services like Wise and Revolut typically offer rates much closer to the mid-market rate.
Is this currency converter free?
Yes, completely free with no sign-up required. Simply enter your amount, select your currencies, and get an instant conversion with live rates.
Why did the rate change since yesterday?
Currency markets trade nearly 24 hours a day on weekdays, reacting to economic data, central bank announcements, and shifts in investor sentiment. Even a single data release — like an inflation report — can move a rate meaningfully within hours.
Should I exchange currency before I travel or after I arrive?
Airport kiosks typically have the worst rates of any option, on either side of a trip. A no-foreign-fee debit or credit card used for purchases and ATM withdrawals after arrival usually beats exchanging cash, before or after the trip, in most countries.