Currency Converter
Convert between world currencies using live exchange rates.
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Convert between world currencies using exchange rates that update regularly, so figures stay close to real market rates rather than a fixed historical snapshot.
Useful for travel budgeting, online shopping in a foreign currency, or getting a quick sense of what a price abroad actually costs in your own currency.
The rate you see here is not the rate you'll get
This converter shows the mid-market rate — the midpoint between what buyers and sellers are quoting on the interbank market. It is the honest reference rate, and it is not available to consumers. Everyone who actually converts money for you takes a margin on top.
| Method | Typical total cost | What to watch |
|---|---|---|
| Airport exchange counter | 7–15% | The worst rates anywhere; convenience is priced accordingly |
| High-street bank | 3–6% | Often a poor rate plus a flat fee |
| Credit card abroad | 1–3% | Foreign transaction fee, sometimes waived on travel cards |
| Specialist transfer service | 0.3–1.5% | Usually the cheapest for larger amounts |
| ATM withdrawal abroad | 1–5% | Two fees possible: your bank's and the ATM operator's |
Always decline dynamic currency conversion
When a foreign card machine or website offers to charge you in your home currency instead of the local one, that is dynamic currency conversion, and it is almost never in your favour. The merchant's payment processor sets the rate and keeps the margin — typically 3–7% worse than what your own card issuer would have given you.
The rule is simple: always choose to be charged in the local currency of the country you are in. Your card network converts at close to the interbank rate, and you pay only your issuer's stated foreign transaction fee.
Frequently asked questions
- How current are the exchange rates?
- Rates are refreshed on a regular schedule from a live rates source, so they track the market closely, though for large transactions always confirm the exact rate with your bank or payment provider.
- Does this include bank or card conversion fees?
- No — this shows the mid-market exchange rate only. Banks and card issuers typically add their own margin or fee on top when you actually convert money.
- Can I convert between two non-USD currencies directly?
- Yes — pick any two currencies from the list and the conversion is calculated directly between them.
- Why does the rate my bank gave me differ from this one?
- Banks quote a retail rate that includes their margin, typically 2–5% away from the mid-market rate shown here. The gap is their revenue on the transaction.
- Should I let a shop abroad charge me in my own currency?
- No. That's dynamic currency conversion, and the rate is set by the merchant's processor, usually 3–7% worse than your card issuer's. Always choose the local currency.
- Is this suitable for accounting or tax purposes?
- No. Tax authorities normally require a specific published rate for a specific date. Use your central bank's or tax authority's official rate table for filings.