Currency Converter

Convert between 50+ currencies with reference rates as of a known date. No live API, no tracking — useful for quick freelance estimates and quotes. Always verify before invoicing.

Quick pairs:

From Amount

To Amount

Reference rates and their limits

This is a quick reference currency converter. You pick a source currency, pick a target, enter an amount, and the tool divides by the source's EUR rate and multiplies by the target's EUR rate. That's it. The rates are hard-coded in the page — there is no network call, no API key, no tracking.

It is not a forex terminal. The rates were correct on the date shown beneath the result and are updated roughly quarterly. Real bank rates move every second and include a margin (typically 0.5–3% for retail, much tighter on FX desks), card-network fees, and weekend mark-ups. Before invoicing a client or sending an actual payment, look up the current rate from your bank, Wise, or a public FX feed.

Why we don't fetch live rates

Almost every "free" live-rate API in the wild logs the IP, referrer, and currency pair you queried. For a tool meant to be useful to freelancers checking quote ballparks all day, that's a metadata leak that compounds: each refresh is one more data point about your client mix and your typical contract size sitting in someone's database. A static reference table avoids the problem completely — your queries never leave the browser. The tradeoff is accuracy: don't blindly trust the result for transactions.

Where static rates diverge from reality

Pegged currencies look fixed but aren't always. BGN is hard-pegged to EUR at 1.95583 (and has been for years). DKK and HKD are pegged within bands. But the relationship can change overnight — the Swiss Franc cap was abandoned suddenly in 2015. Don't assume a peg holds for the future just because it held last year.
EUR-cross compounds error. Every conversion routes via EUR (USD → JPY = USD/EUR × EUR/JPY). Tiny rounding errors in two rates compound on illiquid pairs. The result is fine for ballpark; not fine for accounting.
Mid-rate ≠ what you get. The published "mid-rate" is the midpoint between buy and sell. Your bank quotes a buy price and a sell price; the spread between them is their margin. Card networks add another 1–3% on top. Expect to receive 1–4% less than the mid-rate quoted here.
Inflation-driven currencies move fast. ARS (Argentine Peso), TRY (Turkish Lira) and similar can move 5–10% in a month. A snapshot rate dated three months ago could be quite wrong. Treat the date label seriously.
Cash vs digital differ. Tourist cash bureaus, ATM withdrawals abroad, and card transactions each have different rate structures. The "mid-rate" applies most closely to bank transfers and FX-desk trades; cash conversion in an airport is typically 5–10% worse.

Good for ballparks, not for invoices

Drafting a freelance quote for a client in another country and you want a ballpark in your home currency.
Reading a foreign-currency invoice and quickly checking whether it's roughly what you expected.
Comparing prices on two sites listed in different currencies.
Sanity-checking that a wire transfer landed in the right ballpark after spread.

It is not useful for: hedging, FX trading decisions, tax filings (use the rate published by your tax authority for the relevant date), or anything where being off by 1–3% matters.

USD → EUR in practice

The default pair is USD → EUR. Type 100 on the left and the right fills instantly using the cross-rate amount ÷ rate[USD] × rate[EUR]; the line beneath shows both directions, e.g. 1 USD = 0.92 EUR · 1 EUR = 1.087 USD. Type into the right box instead and it converts backwards to fill the left — either field drives the other. Hit Swap and USD↔EUR flip, recalculating from the left amount so you immediately see the new direction.

Quick answers

Are these live exchange rates? No — they're a static snapshot, stamped with the "rates as of" date and source shown under the result. It's built for quick reference and back-of-envelope maths, not for timing a trade or booking a transfer at the exact market rate.

What rate will my bank actually give me? Worse than this one. Banks and cards add a spread (typically 1–3%) plus sometimes a flat fee, so treat the figure here as the mid-market baseline and expect to receive a little less after those costs.

Why can I convert between two non-USD currencies? Every rate is held against a common base, so the tool triangulates: it converts the source into the base and out to the target in one step. That's why any pair in the list works, not just pairs with the dollar.

Does anything I type get sent anywhere? No. The rate table ships with the page and all conversion runs in your browser — amounts never leave your device.

Mid-market rates and the spread you actually pay

A converter multiplies by a mid-market rate — the midpoint between what buyers bid and sellers ask on the interbank market. That number is real, but almost nobody transacts at it. Banks and apps quote you a rate a percent or two worse and often add a fixed fee on top, so the "spread" is the actual cost of the conversion, not the headline rate. On a €2,000 transfer, a 2% spread is €40 you never see itemised. The mid-market rate is the honest benchmark to measure any provider's quote against: (their rate ÷ mid-market − 1) is what they are really charging you.

The zero-fee illusion

Comparing providers on the visible "fee" while ignoring the rate they use. A "zero-fee" transfer with a 2.5% marked-up rate costs far more than a €5-flat-fee service quoting mid-market. Always convert both offers to a single all-in number — total received in the target currency — and remember that rates move, so a quote is only good for seconds.

Price a product for a new market with the markup & margin calculator, add local tax with the VAT calculator, and check any raw percentage move with the percentage calculator. Where the money leaks: the hidden costs of currency conversion.