Whether you are budgeting for a trip, pricing an invoice for an overseas client or checking an online order in another currency, you need a current, trustworthy rate. This converter loads the latest European Central Bank (ECB) reference rates in your browser and converts between any two of the 30 currencies they cover, with the inverse rate and quick-reference tables.
How to use the currency converter
- Enter the amount you want to convert.
- Choose the currency to convert from and the currency to convert to. Use the swap button to reverse the pair, or tap one of the popular pairs.
- The converted amount appears on the tape immediately, with the exchange rate, the inverse rate and the date the rates were published.
- Below the converter, one table shows the same amount in other major currencies and another lists quick conversions from 1 to 10,000 units.
- Press Refresh rates to check for a newer publication. Your last pair and amount are remembered in this browser.
How currency conversion works
The converter downloads every rate against the US dollar and calculates any other pair as a cross rate, which is exactly how the ECB’s euro-based figures relate to one another.
Worked example
On October 9, 2026 the ECB reference data put one US dollar at 0.89238 euros.
1,000 USD × 0.89238 = €892.38
Inverse: 1 ÷ 0.89238 = 1.1206, so 1 euro bought about $1.12
Cross rate: with 1 USD = 0.75641 GBP and 1 USD = 158.25 JPY, one pound = 158.25 ÷ 0.75641 ≈ 209.21 yen
Live results on the page will differ, because rates move every day.
What the reference rate is — and isn’t
A mid-market benchmark
Reference rates sit between the prices at which banks buy and sell currency. They are widely used for accounting, statistics and contracts that need a neutral, published rate. The ECB states they are for information purposes.
Not the rate you will get at the counter
| Where you exchange | Typical cost above mid-market |
|---|---|
| Large bank wire or multi-currency account | 0.3% – 1% |
| Credit or debit card abroad | 0% – 3% foreign transaction fee, plus network rate |
| Bank branch cash exchange | 2% – 5% |
| Airport exchange kiosk | 5% – 15% |
Dynamic currency conversion — when a card terminal abroad offers to charge you in your home currency — usually carries a worse rate than letting your card network convert. Choosing to pay in the local currency is generally cheaper.
Timing
Exchange rates move continuously during market hours, but reference rates are a single daily snapshot. For large transfers, check the live quote from your provider before you commit.
To measure how much a currency has strengthened or weakened between two dates, use the currency appreciation calculator. For prices that include GST or VAT abroad, the GST calculator adds or removes the tax.
Rates are ECB reference rates provided for information and planning. They are not an offer to exchange currency, and actual rates from banks and card issuers will differ.
Frequently asked questions
Where do the exchange rates come from?
The converter loads the euro foreign exchange reference rates published by the European Central Bank, delivered through the free, key-less Frankfurter API. Your browser requests them directly each time you open the page.
How often are the rates updated?
The ECB publishes reference rates once each working day, usually around 16:00 Central European Time. Rates don't change on weekends or TARGET holidays, so on a Saturday you will see Friday's rates; the date is always shown on the tape.
Why is my bank's rate different?
Reference rates are mid-market rates between buying and selling prices. Banks, card networks and exchange counters add a margin or spread, and sometimes a fee, so the rate you actually get is usually 1% to 5% worse than the reference rate.
What happens if the rates can't be loaded?
If the rate service can't be reached, the converter uses the last rates saved in your browser and says so, showing their date. If there are no saved rates, it shows an error message and a button to try again.
Which currencies are supported?
The 30 currencies in the ECB's daily reference set, including the US dollar, euro, British pound, Japanese yen, Canadian and Australian dollars, Swiss franc, Chinese yuan, Indian rupee, Mexican peso, Brazilian real and South Korean won.