Currency Converter
Convert amounts using the latest available reference exchange rate.
Fetches public reference data on request
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What is the Currency Converter?
Currency conversion multiplies an amount by an exchange rate: the number of units of one currency that one unit of another buys. It matters when comparing prices on foreign websites, budgeting for travel, estimating invoices from overseas clients or reading financial figures reported in another currency. The catch is that there is no single exchange rate. Central banks publish reference rates, markets trade continuously, and banks and card networks apply their own rates plus margins.
This converter supports ten currencies: the US dollar, euro, British pound, Canadian dollar, Australian dollar, Japanese yen, Swiss franc, Indian rupee, UAE dirham and Brazilian real. When you press Convert, the site's server requests the latest reference rate for that pair from the Frankfurter API, which compiles rates published by central banks, and returns it with its reference date. Your browser multiplies the amount by that rate and shows the result to two decimal places, together with the exact rate, date and source used.
How to use it
- 1Enter an amount and two currencies.
- 2Fetch the reference rate.
- 3Check the rate date and account for transaction fees.
How it works
The server fetches a daily reference rate from Frankfurter and caches it briefly. The amount is multiplied by that rate in your browser.
Example
Enter 100 USD and choose EUR to see the reference conversion using the date shown with the rate.
Limitations & notes
- Reference rates are not live transaction quotes.
- Banks and payment processors may add spreads or fees.
Frequently asked questions
What is a reference exchange rate?
A reference rate is a benchmark published once per business day, typically by a central bank. The European Central Bank, for example, publishes its euro reference rates around 16:00 Central European Time. These rates are meant for information and accounting, not trading, so you usually cannot buy currency at exactly that rate. On weekends and holidays the most recent published rate applies, which is why the reference date shown can be a day or more old.
Why is my bank or card rate different from this converter?
Banks, card networks and money transfer services add a spread, selling currency slightly above and buying slightly below the reference rate, and some charge a separate foreign transaction fee. A 3 percent card fee on a 100 euro purchase costs about 3 euros on top of the conversion. To estimate your real cost, compare the rate your provider quotes with the reference rate shown here and add any fees it lists.
How do I convert in the reverse direction?
Swap the From and To selections and press Convert again; the tool fetches the rate for the new pair. Mathematically, a reverse rate is the reciprocal: if 1 USD equals 0.92 EUR, then 1 EUR equals 1 divided by 0.92, about 1.087 USD. Inverting a rounded rate can introduce small errors in the last decimal places, so fetching the pair directly is more precise.
Which currencies does this converter support?
Ten: USD, EUR, GBP, CAD, AUD, JPY, CHF, INR, AED and BRL. Choosing the same currency on both sides returns a rate of exactly 1 without contacting the rate provider. Amounts from 0 up to one trillion are accepted, and results are rounded to two decimals, which is worth remembering for JPY, normally quoted without decimals. If the rate service cannot be reached, the tool shows an error rather than guessing a rate.
How often are the exchange rates updated?
Reference rates change once per business day, not minute by minute like trading prices. This tool's server caches each currency pair for up to an hour, so repeated conversions load quickly. Because the underlying reference rate changes only daily, the cache does not make results meaningfully older. Always check the reference date shown under the result, especially early in the day or after a public holiday.
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