Convert amounts between currencies using daily ECB reference observations delivered through the Frankfurter API. The formula is converted amount = amount × rate, with the inverse shown as 1 ÷ rate. The page identifies the source observation and does not present it as a live bank, card, broker or cash-exchange quote.
Daily ECB reference-rate conversions with source dates and explicit limits
Convert with a dated ECB reference observation. Understand the transaction-rate boundary →
| Amount | Converted |
|---|
| Currency | Converted | Rate |
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Request a past daily reference observation; availability depends on the selected currencies and upstream dataset.
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View All Tools →Type the amount you want to convert. You can enter whole numbers or decimals. The default is 1 unit.
Choose your source and target currencies from the dropdowns. Use the swap button to reverse direction.
The converted amount appears with its ECB reference observation, inverse rate, quick comparison table and historical chart.
Switch between Standard, Multi-Currency and Trader views. Trader metadata appears only for instruments in the shared pair registry.
Share a direct link to your conversion or request a historical date supported by the upstream dataset.
The ECB publishes euro foreign-exchange reference rates for information purposes. They provide a consistent daily benchmark for conversion arithmetic, but the ECB says using them for transaction purposes is strongly discouraged.
Why the distinction matters
A reference-rate result and a provider quote answer different questions. Compare the final delivered amount and every disclosed fee instead of treating the reference result as an executable price.
A bank, card network, cash counter or transfer service can use a different pricing time, rate source, spread, rounding rule and fee schedule. The size and structure of those charges vary by provider, corridor, amount, payment method and date.
| Comparison field | What to record |
|---|---|
| Reference observation | Source date, time basis, currency direction and converted amount |
| Provider quote | Quoted rate, quote expiry and delivered amount |
| Separate charges | Transfer, card, cash, correspondent-bank and receiving fees |
| Like-for-like total | Same source amount, destination currency, date and delivery method |
Every currency uses a three-letter ISO 4217 code. The first two letters represent the country and the third represents the currency name — for example, USD = US Dollar, GBP = Great Britain Pound, JPY = Japan Yen.
Tradable exchange rates can differ across venues and moments. Monetary policy, economic information, risk conditions, liquidity and order flow can all be associated with changes, but this converter does not attribute a move to one cause.
Fixed vs Floating
Most major currencies float freely. Some are pegged (HKD to USD) or managed floats where the central bank intervenes.
The available list reflects currencies published by the upstream reference-rate source. Appearance in the converter does not establish trading volume, spread, liquidity, availability or suitability at a particular broker.
Ask the card issuer, ATM operator or exchange counter for the applied rate, every fixed and percentage charge, and the final amount in your account currency. Check whether a displayed conversion choice changes who sets the exchange rate.
Compare the delivered amount
A zero-commission label does not describe the complete transaction. Use written quotes and compare the same source amount, destination currency and delivery method.
Compare provider quotes on the same corridor and amount. Record the amount the recipient receives, the quote expiry, payment and delivery method, and every fee. This page does not rank providers or assume a generic markup.
The converter uses daily ECB reference observations expressed as currency units per euro. A cross rate is derived as ECB quote units per EUR ÷ ECB base units per EUR; the converted amount is amount × cross rate.
The rate timestamp and source state belong to the observation shown by the tool. They are not silently relabelled as a live executable quote.
Using an illustrative reference observation of 1.1377 USD per EUR, converting 100 EUR gives 100 × 1.1377 = 113.77 USD.
This example demonstrates the arithmetic only. A bank, card, broker or transfer provider can apply a different rate and separate charges.
The result is a reference-rate conversion for the selected observation. Compare a provider quote on the same amount and time basis, then include every disclosed fee before deciding which transaction is cheaper.
This page shows an ECB daily reference observation delivered through the Frankfurter API. It is an information benchmark, not a transaction price or a claim about the fairest available provider quote.
Latest observations come from ECB reference data through the Frankfurter API. The browser cache lasts five minutes, but the underlying series is normally daily and does not reflect intraday market changes.
A provider can use a different rate time, source, spread, rounding rule and fee schedule. Compare its written delivered amount and all disclosed charges with the reference calculation on the same amount and date.
Use Historical Conversion to request a past date. Availability depends on the selected currencies and upstream data; the result is a daily reference observation and is not tax or accounting advice.
This converter supports all currencies published by the ECB — approximately 30 currencies including USD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, INR, SGD, HKD, and others.
The arithmetic reproduces the sourced reference observation subject to upstream and input availability. It does not measure an executable provider rate, and the daily series does not capture intraday changes.
This page shows an information-only daily reference observation. A provider conversion rate is a transaction quote with its own time, spread, fees, rounding and expiry; compare the final delivered amount.
Rates are driven by supply and demand in the forex market. Key factors include central bank interest rate decisions, inflation, trade balances, economic data, and geopolitical events.
This page does not rank providers. Compare written quotes for the same amount and corridor, including the delivered amount, rate expiry and all fixed or percentage charges.
A currency pair expresses the value of one currency relative to another. In USD/EUR, USD is the base and EUR is the quote. The rate tells you how much EUR you need for 1 USD.
This converter is not a trading-volume dataset. Consult the latest BIS Triennial Survey for measured market-share statistics and note that both currencies in each transaction are counted.
ISO 4217 is the standard for three-letter currency codes. The first two letters represent the country (US, GB) and the third the currency name (D for Dollar, P for Pound).
Yes. Click "Share this conversion" to copy a direct link with your currencies and amount. Anyone opening it sees the same conversion with the latest rate.
Forex trading is buying and selling currencies on the global market — over $7.5 trillion traded daily. Retail traders use leverage through brokers to speculate on price movements.
The Yen is valued at ~1/150th of a Dollar, so amounts are naturally larger. Decimals would be like fractions of a cent. This converter automatically adjusts formatting for JPY, KRW, and IDR.
Trading leveraged forex and CFDs carries a high risk of loss. Broker links are affiliate links; availability and terms vary by jurisdiction.
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