Currency Converter
Convert between 30 currencies at today’s European Central Bank reference rates.
Good to know. The rate on the news is the one banks trade at. The one you get has their margin in it.
Not financial advice. Uses only the numbers and rates you enter — no live data.
How it works
In plain words
The ECB publishes how much of each currency one euro buys. To go between any two, divide the target currency’s rate by the source currency’s rate, and multiply the amount by that.
The formula
rate = (per euro of the target) ÷ (per euro of the source) converted = amount × rate after a margin = converted × (1 − margin)
Worked example
If one euro buys 1.10 US dollars, then 100 euros is 100 × 1.10 = 110.00 USD. With a 3% card margin, you would get about 106.70.
Sources
- European Central Bank, Euro foreign exchange reference rates Daily rates for 30 currencies against the euro, published around 16:00 CET on working days.
Sources checked September 30, 2026. 7 automated tests check its answers on every change.
About the currency converter
This converter uses the euro foreign exchange reference rates the European Central Bank publishes every working day at about 16:00 Central European Time, for 30 currencies. They are loaded fresh when you open the page, and the date they were published is shown with the answer. On weekends and holidays, the most recent working day’s rates apply.
The ECB gives every rate against the euro. To convert between two other currencies, say US dollars to pounds, the calculator goes through the euro: it divides the pound’s rate by the dollar’s. That gives the same cross rate the markets use, to within a fraction of a percent.
Reference rates are for information: they are what banks trade at among themselves, not what a shop, card or exchange desk will give you. Card providers typically add 1 to 3%, banks 2 to 5% for cash, and airport kiosks 5 to 15%. Enter a margin to see what you would actually receive. When paying abroad by card, choose to pay in the local currency; letting the terminal convert for you (dynamic currency conversion) usually costs more.
Rates move all day while markets are open, so a live trading price can differ a little from the day’s reference rate. For large transfers, compare the rate and fees of a few providers on the day.
Questions people ask
Where do the exchange rates come from?
From the European Central Bank’s reference rates, published every working day at about 16:00 CET. The publication date is shown with each answer.
Why is my bank’s rate different?
Banks and card providers add a margin, often 1–3% for cards and more for cash. The reference rate is the price before that margin.
Should I pay in local currency or my own when abroad?
Usually the local currency. Converting at the terminal (dynamic currency conversion) tends to use a worse rate than your card’s own.
Are the rates updated on weekends?
No. The ECB publishes on working days only, so over a weekend the Friday rates apply.