Why is my bank's exchange rate different from Google's?

Google and this converter both show the mid-market rate. Your bank adds a spread, usually 2–5%, and airport or hotel exchange counters can add 5–10% or more. The rate you're actually charged is never the mid-market figure itself.

Is it better to exchange currency before or after traveling?

For cash, exchange before you leave — airport counters at your destination have the worst rates on the market. For everyday spending, a fee-free international card or a local ATM withdrawal usually beats carrying cash altogether.

How many currencies does this converter support?

31 currencies from the European Central Bank's daily reference rates, including USD, EUR, GBP, JPY, and 27 other major world currencies.

What is dynamic currency conversion (DCC) and why should I avoid it?

DCC is when a foreign card terminal or ATM offers to bill you in your home currency instead of the local one. It sounds convenient, but the exchange rate it uses is set by the merchant's bank and is typically 3–12% worse than your own card network's rate. Always choose to pay in the local currency.

Currency Converter

Free currency converter with live exchange rates, 7-day trend, and conversion history. Shows mid-market rates from the ECB. No signup.

Updated May 2026

Amount to Convert

USD

From

Saved Pairs

LIVE CONVERSION

—

🇪🇺 EUR (Euro)

ACTIVE EXCHANGE RATE

7-Day Trend

No trend data available

Conversion History

No conversions yet.

How to Use This Currency Converter

Live exchange rates, updated daily from the mid-market reference

1. Enter the amount

Type any number — the field auto-formats thousands separators as you go.

2. Pick your currency pair

Search by code (USD, EUR) or name. The ⇄ button flips the pair instantly.

3. Read the result and save it

The rate in both directions shows right below. "Convert" logs the pair to your local history.

What This Currency Converter Does

31 currencies, official ECB reference rates

Real mid-market rate

The same interbank reference you'd see on Google — without the markup banks and exchange counters add on top.

7-day trend chart

See at a glance whether the rate is better or worse than its recent average before you convert.

Exportable conversion history

Up to 50 conversions saved locally in your browser, downloadable as a CSV file.

Daily rate caching

Rates are cached in your browser for the day, so repeat visits don't trigger a new request every time.

Conversion Examples

Approximate results at current mid-market rates

Amount

Approximate result

1,000 USD → EUR

~€920

500 EUR → GBP

~£430

1,000 GBP → USD

~$1,270

1 USD → JPY

~¥150

When You'll Reach for This Tool

The scenarios that come up most for people converting currency

Planning a trip abroad

Work out how much local currency your travel budget actually buys before you book anything.

Shopping on a foreign site

Check the real cost of an item priced in dollars or euros before you check out.

Freelancers and remote workers

Convert an international invoice or payout to your home currency for budgeting or bookkeeping.

Comparing transfer providers

Use the mid-market rate as your baseline — services like Wise price close to it; banks and cards don't.

Common Mistakes to Avoid

Mistaking the reference rate for what you'll actually pay

The rate shown here is the mid-market benchmark — your bank, card issuer, or exchange counter will typically add 1–10% on top.

Accepting DCC (dynamic currency conversion) abroad

If a card terminal or ATM offers to charge you in your home currency instead of the local one, decline it — DCC rates typically run 3–12% worse than your card network's own rate.

Ignoring foreign transaction fees

Many cards charge a separate 1–3% foreign transaction fee on top of the exchange rate itself — factor it in before comparing totals.

Why Use This Currency Converter

It shows the real ECB mid-market rate — the same reference figure you'd find on Google or a central bank site — instead of a rate that already has a markup baked in.

The 7-day trend and exportable history help you judge whether now is a good time to convert, not just what today's number happens to be.

Mid-Market Rate vs. What You Actually Pay

Why the number here rarely matches your bank statement or card bill

Mid-Market Rate

Bank / Card Rate

Airport Kiosk

Typical markup

0% — the reference rate

2–5% above mid-market

5–10% above mid-market

Best for

comparing offers, budgeting a trip

everyday spending and transfers

avoid unless there's no alternative

Where you'll see it

this converter, Google, the ECB

bank app, card statement

currency exchange counters

Frequently Asked Questions

It's the midpoint between the buy and sell price of a currency pair on the global market — the "true" rate with no markup added. Banks, card networks, and exchange counters all quote a worse rate than this and keep the difference as profit.