Currency converter · Free · No sign-up
Currency Converter
This converter turns an amount from one of 30 currencies into another using the European Central Bank’s euro reference rates, one per working day, and shows the date of the rates. 100 US dollars is 89.45 euros at the 3 November 2026 rates. It is a reference rate, not the rate a bank or card will give you.
Rates of 3 November 2026, saved on this page. Checking for today’s…
| Currency | Amount |
|---|---|
| Australian dollar AUD | 143.19 |
| Brazilian real BRL | 549.34 |
| Canadian dollar CAD | 139.75 |
| Swiss franc CHF | 81.99 |
| Chinese yuan renminbi CNY | 667.23 |
| Czech koruna CZK | 2,177.57 |
| Danish krone DKK | 668.53 |
| Euro EUR | 89.45 |
| British pound GBP | 74.57 |
| Hong Kong dollar HKD | 784.60 |
| Hungarian forint HUF | 32,596.83 |
| Indonesian rupiah IDR | 1,813,670.27 |
| Israeli new shekel ILS | 315.70 |
| Indian rupee INR | 9,474.51 |
| Icelandic króna ISK | 12,184 |
| Japanese yen JPY | 15,829 |
| South Korean won KRW | 134,459 |
| Mexican peso MXN | 1,859.70 |
| Malaysian ringgit MYR | 407.70 |
| Norwegian krone NOK | 923.03 |
| New Zealand dollar NZD | 177.80 |
| Philippine peso PHP | 6,346.10 |
| Polish złoty PLN | 395.29 |
| Romanian leu RON | 477.93 |
| Swedish krona SEK | 979.65 |
| Singapore dollar SGD | 128.12 |
| Thai baht THB | 3,375.53 |
| Turkish lira TRY | 4,999.74 |
| United States dollar USD | 100.00 |
| South African rand ZAR | 1,663.79 |
The figures above are an example: put in your own. These are reference rates, not the rate a bank, card or exchange office will give you. Your amount and currencies are worked out in this browser and never sent; the page only asks for the day’s rates. Counting a float or a till? Try the tally counter.
Enter an amount, choose the two currencies, and the result appears with the rate both ways and the date it is for. Each time the page opens it asks for the latest published rates; if it cannot get them it keeps the saved ones and tells you.
A currency converter changes an amount of money from one currency into another using an exchange rate. The answer depends on which rate is used, so a converter should say which rate that is, and for what day.
- No sign-up
- Amount never sent
- Dated rates
- Source linked
- Works offline
Key facts
| Detail | Answer |
|---|---|
| Price | Free, no sign-up, nothing to install |
| Currencies | 30, the ones the ECB publishes euro reference rates for |
| Rate used | ECB euro foreign exchange reference rate, one per working day |
| Published | Around 16:00 CET on working days, except TARGET closing days |
| Example | 100 USD = 89.45 EUR at the rates of 3 November 2026 |
| Not included | Pakistani rupee, UAE dirham, Saudi riyal, Nigerian naira, Egyptian pound, crypto |
| Where your numbers are kept | This browser only |
How to convert currency
Choose the amount and the two currencies, then check the date of the rates.
Enter the amount
A number such as 100, 1,250.50 or 1500,5.
Choose From
The currency you hold or the price is in.
Choose To
The currency you want the amount in.
Check the date
The line under the result says which day the rates are for, and whether they are saved.
Read the rate both ways
The line under the result gives the rate each way, to check against a receipt.
Allow for the margin
A bank or card will pay less than this rate; see the section on margins.
Who uses a currency converter
Anyone who needs to know what an amount in one currency is in another.
Travellers
A price on a menu or a hotel bill turned into home currency before paying.
Online shoppers
A price in euros, pounds or dollars read against the rate before checkout.
Freelancers and sellers
An invoice in a foreign currency checked against what arrived.
Students abroad
Tuition and rent figures compared with a budget in another currency.
People sending money home
A transfer quote checked against the reference rate to see the margin.
Writers and researchers
A historical or recent price put in a common currency, with the date stated.
Which exchange rate is this, and for what day?
A search for “USD to EUR” returns a box with a number in it. Most do not say which rate it is, for what day, or from where. The rates on this page are the euro foreign exchange reference rates that the European Central Bank publishes, carried by the free Frankfurter rates API. The ECB says the rates are usually updated at around 16:00 CET every working day, except on TARGET closing days, and that they come from a daily concertation procedure among central banks that normally runs at about 14:10 CET. So the page shows one rate per working day, not a ticking market price, and the date above the table is the day the rates are for.
Every figure is a rate against the euro. To convert dollars to pounds the converter divides by the dollar rate and multiplies by the pound rate (amount ÷ rate of the first currency × rate of the second), which is why converting there and back returns the amount you started with, and why the inverse rate shown under the result is exactly the reciprocal.
| Rate | What it is | Can you trade at it? |
|---|---|---|
| Reference rate (this page) | One published rate per working day, the same for everyone | No: the ECB publishes it for information and advises against using it for transactions |
| Mid-market rate | The midpoint between what dealers will buy and sell at, moving by the second | Not usually offered to individuals |
| Bank or card rate | A rate with a margin added, often set per day or per transaction | Yes |
| Cash exchange rate | A buy and a sell rate with a wider spread, sometimes plus a fee | Yes |
What a bank or card margin costs you
Converting at the reference rate tells you what a currency is worth on a given day. It does not tell you what you will receive or pay, because the bank, card network or exchange office takes a margin on top. The margin is often not shown as a fee, but built into the rate, which is why a card slip can differ from this page even on the same day.
You can measure it. Divide the amount you actually received by the amount this converter gives for the same day, subtract the result from 1, and the difference is your margin as a share. For example, if the converter says 100 USD is 89.45 EUR and the bank paid 86.50 EUR, the margin was 3.3 per cent (86.50 ÷ 89.45 = 0.967). Within the European Union the same measure is the one the law asks payment providers to show: Regulation (EU) 2019/518 requires the total currency conversion charges on card payments and transfers to be disclosed as a percentage mark-up over the latest available euro foreign exchange reference rates of the ECB. That is the benchmark this page uses.
Two practical points follow. Compare the margin, not just the stated fee, because a “zero fee” offer can hide a wide margin. And when a card terminal offers to charge in your home currency rather than the local one, the rate it uses is set by the terminal’s provider, so run the figure here before you accept.
Currencies this converter does not cover
The feed carries thirty currencies, and that is the list in the converter. It does not include the Pakistani rupee, the UAE dirham, the Saudi riyal, the Nigerian naira, the Egyptian pound or the Bangladeshi taka, among others, because the ECB does not publish reference rates for them. A tool that shows a rate for a currency outside the list is getting it from somewhere else, and you should ask where. This page leaves them out rather than guess. The currency codes themselves are the three-letter codes of ISO 4217.
| It does | It does not |
|---|---|
| Convert between 30 currencies at one published daily rate | Convert currencies the ECB does not publish |
| Show the date of the rates, and say when it is showing saved ones | Show live market prices by the second |
| Show the rate both ways and the amount in every currency | Predict where a rate is going |
| Keep your amount and choices in this browser | Send your amount anywhere |
This is a reference conversion, not financial advice or a quote. Do not use it to settle a payment, price a contract or value a holding without checking the rate your provider will apply. For cryptocurrencies and precious metals it is the wrong tool.
This converter or a typical rate box
What this page adds to a typical rate box.
| This converter | A typical rate box | |
|---|---|---|
| Cost | Free, no sign-up | Free |
| Says which rate it is | ECB reference rate, one per working day | Usually not |
| Shows the date of the rates | Always, and flags saved ones | Often not |
| Explains the bank margin | With the way to measure it | No |
| Says which currencies are missing | Yes | No |
| Amount in every currency at once | Yes | One pair |
| Your amount leaves the browser | Never | Varies |
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Frequently asked questions
How do I convert USD to EUR?
Enter the amount, choose US dollar as From and euro as To. The converter divides by the dollar rate against the euro and multiplies by one. At the 3 November 2026 rates, 100 US dollars is 89.45 euros. The rate changes each working day, so check the date shown under the result.
What exchange rate does this currency converter use?
It uses the euro foreign exchange reference rates published by the European Central Bank, carried by the Frankfurter API. There is one rate per currency per working day. They are reference rates for information, not live trading prices, and not the rate a bank or card gives.
How often are the rates updated?
The ECB usually updates its reference rates at around 16:00 CET every working day, except on TARGET closing days. At weekends and holidays the page shows the last published day, and the date under the result tells you which day that is.
Why is my bank's rate different from this converter?
A bank or card adds a margin to the wholesale rate, often hidden in the rate rather than shown as a fee. Divide what you received by what this converter gives for the same day and subtract from 1 to find the margin. Compare that figure between providers, not just the stated fee.
Is this the mid-market rate?
Not exactly. The mid-market rate moves continuously through the day. This page uses the ECB reference rate, a single daily rate set after a concertation procedure at about 14:10 CET. The two are usually close, but the reference rate is published for information and the ECB advises against using it for transactions.
Which currencies can I convert?
Thirty: Australian, Brazilian, Canadian, Chinese, Czech, Danish, Hong Kong, Hungarian, Indonesian, Israeli, Indian, Icelandic, Japanese, South Korean, Mexican, Malaysian, Norwegian, New Zealand, Philippine, Polish, Romanian, Swedish, Singapore, Thai, Turkish, South African, Swiss, British and US currencies, and the euro.
Can I convert Pakistani rupees, dirhams or riyals?
Not here. The ECB does not publish reference rates for the Pakistani rupee, UAE dirham, Saudi riyal, Nigerian naira or Egyptian pound, so this converter does not offer them rather than invent a rate. For those, use a rate from your bank or from the central bank of the country concerned.
Does the converter work offline?
Yes, with saved rates. The page keeps a dated copy of the rates and uses it when it cannot reach the feed, saying so under the result. It then shows the saved date, so you can judge whether it is too old to rely on.
Is my amount sent anywhere?
No. The sum is done in your browser and your amount and choices stay on your device. The only request the page makes for this tool is a plain request for the day’s rates, which carries nothing you typed.
Related guides
Longer answers to the questions behind the numbers.