Convert between currencies using live reference rates, add a rate margin and conversion fee to estimate what a bank or card might charge, and compare several currencies at once.
Basic Currency Conversion
Multi-Currency & Rate Analysis
Portfolio & Business Currency Management
What this currency converter does
- Basic: an amount from one currency to another using live rates, or your own custom rate, with a swap button.
- Intermediate: one base amount converted into several target currencies, with a conversion fee, a rate margin and an optional historical rate date, and the best rate highlighted.
- Advanced: a currency portfolio view of your exposure, with CSV export and a report.
Where the rates come from
Live rates are European Central Bank reference rates, published on working days, retrieved through the free frankfurter.dev service. The badge above the converter shows whether live rates loaded and the date they are for. If the service cannot be reached, the converter switches to clearly labelled fixed rates that are not current.
Worked examples with the rates for 29 October 2026: 100 US dollars is 89.85 euros and 9,527 Indian rupees, and 100 euros is 83.58 British pounds (a cross rate worked out through the dollar). With a 0% fee and margin, 500 US dollars converts to 449.24 euros and 375.47 pounds.
Things to keep in mind
Reference rates are not the rates a bank, card or money transfer provider will give you. They add their own margin and fees, which you can estimate with the fee and margin fields. To load rates, your browser makes a request to frankfurter.dev, which can see your IP address like any website you visit. The amounts you enter are not sent. These results are estimates for general information only and are not financial, tax, investment or legal advice. Real products have fees, rules and rates that differ, so check the details with your lender, provider or a qualified adviser.
Frequently asked questions
How often do the rates update?
Once per working day. They do not change during the day, and there are no new rates at weekends or on public holidays.
Can I use my own exchange rate?
Yes. Choose Custom Rates on the Basic tab and enter the rate you were quoted.
Looking for more? See all our free financial calculators.