Convert between 150+ world currencies at the mid-market rate — see the fairest benchmark before your bank or transfer service adds a spread.
The exchange rates below are based on the latest available exchange rate.
Major Currencies:
| USD | EUR | GBP | CNY | JPY | CAD | AUD | |
|---|---|---|---|---|---|---|---|
| 1 USD | 1 | 0.867713 | 0.749457 | 6.7764 | 160.30 | 1.3934 | 1.4180 |
| 1 EUR | 1.1525 | 1 | 0.863715 | 7.8095 | 184.73 | 1.6058 | 1.6342 |
| 1 GBP | 1.3343 | 1.1578 | 1 | 9.0417 | 213.88 | 1.8591 | 1.8921 |
| 1 CNY | 0.147571 | 0.128049 | 0.110598 | 1 | 23.6550 | 0.205618 | 0.209261 |
| 1 JPY | 0.00623848 | 0.00541321 | 0.00467547 | 0.042274 | 1 | 0.00869238 | 0.00884640 |
| 1 CAD | 0.717695 | 0.622753 | 0.537881 | 4.8634 | 115.04 | 1 | 1.0177 |
| 1 AUD | 0.705200 | 0.611911 | 0.528517 | 4.7787 | 113.04 | 0.982590 | 1 |
All Currencies:
| Currency | Rate (1 USD =) | Inverse |
|---|
* numbers in parenthesis are the inverse
This free currency calculator converts between US dollars and more than 150 world currencies using the mid-market exchange rate as the reference point. Enter an amount in any supported currency, select the target currency, and the tool returns the converted value instantly. You can flip the conversion direction with one click. The calculator also shows a simple rate display — for example, 1 USD = 0.924 EUR — so you can sanity-check quotes from your bank or money-transfer service. Because exchange rates float continuously with global market activity, the displayed rate reflects the most recent available feed; always confirm the live rate at the moment of an actual transaction, since even a few hours can shift a major-pair rate by 0.3–0.5%.
1. Enter the amount you want to convert in the "Amount" field.
2. Select the source currency from the dropdown (default: USD).
3. Select the target currency you want to convert into.
4. Read the converted amount displayed instantly below.
5. Click the swap arrows to reverse the conversion direction.
6. Note the mid-market rate shown; compare it to your bank's quoted rate to estimate the hidden spread cost.
Formula: Converted Amount = Source Amount × (Target Currency Units per 1 Source Currency Unit)
The exchange rate used is the mid-market rate — the midpoint between the global buy and sell prices for a currency pair. To convert $800 USD to euros at a rate of 0.924 EUR per USD: $800 × 0.924 = $739.20 EUR. Your bank or transfer service will apply a markup, typically 1–4% above this baseline, which reduces the EUR amount you actually receive. Always multiply the mid-market rate by your expected transaction amount to see the true cost of any markup before committing.
The number this calculator returns is the mid-market conversion — treat it as the fairest possible benchmark. If your bank quotes a meaningfully lower amount, the difference is the spread plus any flat fee. For large transactions, even a 1% spread gap is significant: on a $20,000 wire it costs $200 before fees.
Most people focus on the exchange rate number and overlook the spread — the difference between the rate a provider buys currency at and the rate it sells to you. Airport kiosks and hotel exchange desks routinely charge spreads of 8–15% above mid-market. Major US banks typically charge 2–4% on retail foreign exchange transactions, while specialized services like Wise, Revolut, or OFX often come in at 0.3–1.5%. For a traveler converting $2,000 before a two-week trip to Italy, the difference between an airport kiosk (10% spread) and a specialized app (0.5% spread) is roughly $190 — money that buys two very nice dinners in Rome. Beyond the spread, watch for flat transaction fees ($10–$30 on wire transfers), correspondent bank fees (deducted mid-route on international wires), and dynamic currency conversion charges when a foreign merchant processes your card in USD instead of the local currency. That last one — dynamic currency conversion — is almost always a bad deal; always choose to pay in the local currency when given the option abroad.
Exchange rates between major pairs like USD/EUR or USD/GBP can swing 0.5–1.5% in a single trading session. Over a month, a pair like USD/MXN can shift 3–5%. If you're planning a large transaction — buying property overseas, paying a foreign contractor, or importing goods — a rate that looks favorable today may look much worse in 30 days. Corporations hedge this risk with forward contracts (locking in today's rate for a future payment), but individual consumers increasingly have access to forward options through services like OFX or CurrencyFair. For smaller amounts — exchanging $1,000–$2,000 for travel — timing matters less. For amounts over $10,000, spending an hour comparing rates and considering a rate-lock service can meaningfully reduce your cost. The US dollar's strength also fluctuates with Federal Reserve policy: when the Fed holds rates higher than foreign central banks, the dollar tends to strengthen, making foreign currency cheaper for American buyers.
Not all international money-transfer channels are equal. Here's a practical breakdown for a US sender:
Exchange rate type: Mid-market rates (interbank) are the global benchmark; retail rates include a markup. The gap varies by provider, currency pair, and transaction size.
Currency pair liquidity: Major pairs like USD/EUR, USD/GBP, USD/JPY, and USD/CAD are highly liquid with tighter spreads. Exotic pairs like USD/KES or USD/VND carry wider spreads because they're less traded.
Transaction size: Many services offer tiered pricing — better rates on amounts over $5,000 or $10,000. Always ask about volume discounts for large transfers.
Day and time: Currency markets operate 24/5 (weekdays) and are most liquid during the overlap of London and New York sessions (roughly 8 AM–12 PM ET). Weekend rates may be fixed or stale.
Geopolitical and economic events: Central bank announcements, inflation data releases, and political events can move exchange rates sharply. The Federal Reserve's rate decisions are among the most watched.
Marcus, a teacher from Nashville, is planning a two-week trip to Spain and Portugal and wants to budget €3,000 in spending money. With USD/EUR at 0.924 mid-market, he needs about $3,247 USD at the benchmark rate. His credit union offers to exchange at 0.897 EUR per USD (a 2.9% spread), meaning he'd need $3,344 — a $97 difference. A travel-focused card with no foreign transaction fee and near-mid-market rates would cost him only $3,247–$3,265. The lesson: for a trip this size, the right currency tool saves enough to cover a night's accommodation.
Priya runs a small digital marketing agency in Denver and pays a developer in the UK £1,800/month. Using her US bank's wire service at a 3.2% markup above mid-market (USD/GBP = 0.789 mid-market, bank rate = 0.764), she converts $2,356 instead of the fair-value $2,282 — a $74 monthly drag. Switching to Wise at 0.5% spread reduces the monthly difference to about $11, saving roughly $756 per year for a few minutes of setup work.
1. Always compare the mid-market rate first. Use this calculator to establish your benchmark before getting quotes from providers.
2. Avoid airport kiosks and hotel desks. They target captive audiences and routinely charge the worst rates available.
3. Use a no-foreign-transaction-fee credit card abroad. Cards like Chase Sapphire, Capital One Venture, and Schwab Visa charge no FX markup and usually pass through near-interbank rates.
4. Order foreign currency ahead of time. Some US banks and credit unions allow you to order physical foreign currency for pickup or delivery at better rates than airport kiosks, especially for commonly traded currencies.
5. Check both the rate and the fee. A service may advertise "zero fees" but bake the profit into a higher spread. Calculate total cost, not just the rate.
6. For large transfers, request a forward contract. If you need to exchange $15,000+ in the next 30–90 days, locking in today's rate through a specialized service may protect you from adverse moves.
A: The mid-market rate is the midpoint between the global buy and sell prices for a currency pair at a given moment. It's the fairest benchmark for any conversion — the rate financial institutions use to trade with each other. Retail consumers rarely receive this exact rate; most providers add a spread or markup.
A: Banks and exchange services apply a markup on top of the mid-market rate to profit from currency conversion. The gap is typically 1–4% at major US banks. This calculator uses the mid-market rate as a reference; your actual rate will be slightly less favorable.
A: This calculator supports 150+ currencies including USD, EUR, GBP, JPY, CAD, AUD, MXN, INR, CHF, CNY, KRW, and more. Coverage includes all major, minor, and most exotic pairs.
A: Yes. Currency markets trade 24 hours a day, five days a week. Major pairs can move 0.5–1.5% in a single session. This calculator updates its rate feed regularly, but always confirm the live rate at the time of any actual transaction.
A: It depends. For major currencies (EUR, GBP, CAD), your US bank or a travel card often offers competitive rates. In many countries, local ATMs at your destination — using a no-foreign-transaction-fee card — offer near-interbank rates. Airport kiosks at either end are generally the worst option.
A: Dynamic currency conversion (DCC) is when a foreign merchant or ATM offers to charge you in your home currency (USD) instead of the local currency. It looks convenient but almost always uses an unfavorable exchange rate with a DCC fee added. Always choose to be charged in the local currency.
A: On a $10,000 transfer, a 1% spread costs $100. On $50,000, it costs $500. On a $200,000 real estate transaction, a 1% spread gap versus the mid-market rate costs $2,000. For large transactions, even small spread differences are worth optimizing.
A: This calculator is designed for traditional fiat currencies. For crypto-to-fiat conversion, you'd need a separate crypto calculator that pulls from exchange-specific order books.
Brief disclaimer: This calculator provides estimates using mid-market exchange rates for educational and planning purposes only. Actual conversion rates from banks, exchange services, and payment processors include spreads and fees not reflected here. Exchange rates fluctuate continuously and may differ at the time of any actual transaction. This tool does not constitute financial advice. Always confirm the live rate with your provider before executing any currency exchange or international transfer.