Currency Converter
Convert between the world's fifty most-used currencies at the mid-market rate, with every figure rounded to the decimals that currency actually has — and the date of the rate stated on the page, never implied.
What you actually pay, against what a rate says
| Where you exchange | Typical cost against mid-market |
|---|---|
| the rate on this page | the reference point — 0%, and available to nobody retail |
| a card payment abroad | network margin plus any foreign-transaction fee |
| a bank transfer between currencies | a spread in the rate, often alongside a flat fee |
| an airport exchange desk | the widest spreads anywhere; the convenience is the product |
| an ATM abroad | always decline "conversion in your own currency" — that is dynamic currency conversion, and it is the worst rate on offer |
The single most useful habit: before exchanging anything, convert the amount here first. Any offer can then be measured against a number you already know, which turns a rate you cannot judge into a percentage you can.
The conversion itself runs in your browser; only the public rate table is downloaded, and the page keeps working with the rates it has when you are offline.
Frequently asked questions
Where do the rates come from, and how current are they?
From open.er-api.com, which publishes mid-market rates once per working day. The page states the publication date of whatever table it is using, right under the result — if that says three days ago, you are looking at three-day-old numbers and the line turns amber to say so. Press Refresh to ask the feed again.
Is my amount sent anywhere?
No. The only network request this page makes is downloading the public rate table — a list of numbers that is the same for every visitor. The amount you type, the currencies you pick and the result are never transmitted; the multiplication happens in your browser. Nobody, including us, can see what you converted.
Does it work without a connection?
Yes, with rates it already has. The page ships with a snapshot, keeps the last table it downloaded on your device, and prefers whichever is newest. Offline you still get a conversion — clearly labelled with the date those rates were published, so you always know whether you are looking at today's number or last week's.
Why is this rate better than the one my bank gave me?
Because this is the mid-market rate — the midpoint between what buyers and sellers are quoting on the interbank market — and it is not a price anyone retail can actually get. Banks and exchange offices add a spread, typically 0.5% to 3%, and card networks add their own margin plus any foreign-transaction fee. Use this figure as the honest reference to measure an offer against, not as the amount that will land in your account.
Why do some currencies show no decimals, and others three?
Because that is how much money they actually have. ISO 4217 gives each currency its minor units: the yen, won, Chilean peso and Vietnamese dong have none, so a figure like ¥1,234.56 describes money that does not exist. The Kuwaiti, Bahraini and Omani currencies go the other way with three decimals — rounding a dinar to two throws away a real unit. This page follows the standard for each currency rather than printing two decimals everywhere.
Can I use this for an invoice, a tax return or accounts?
No — use the rate your tax authority or central bank published for the date in question. Those bodies each name one official source and one moment of the day, and a mid-market rate from a different feed will not match it. This tool is for knowing what a price is worth, not for the number that goes in a filing.
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