Indicative rates — updated periodically
Rates shown are indicative reference rates and may differ from your bank, exchange, or card provider.
A currency converter multiplies an amount by an exchange rate between two currencies. If one U.S. dollar equals a stated number of euros, the USD amount is multiplied by that rate to estimate EUR. Reversing the direction uses the reciprocal rate, although displayed rounding can make the two quoted values appear slightly different.
Reference or mid-market rates are useful for comparison, but they are not necessarily the price a customer receives. Banks, card networks, cash exchanges and transfer services may add a markup, service fee, minimum fee or delivery charge. Rates can also move while a transaction is being processed.
If the reference rate is 1 USD = 0.90 EUR, then $250 × 0.90 = €225. A provider charging a 2% exchange markup and a separate fee would deliver less than the reference estimate.
When choosing a service, compare the final amount the recipient receives, not only the advertised fee. A “zero-fee” provider can still earn money through a wider exchange-rate spread. For card purchases, check whether the issuer adds a foreign-transaction fee.
Cash rates at airports and tourist locations may differ noticeably from online reference rates. Dynamic currency conversion—when a foreign merchant offers to charge in your home currency—may include its own exchange rate. Review both options before accepting.
For a travel budget, convert major categories separately and leave room for rate movement. Lodging may be charged later at a different rate, while card authorizations and final settlements can occur on different days. For an international transfer, compare the quoted amount received, delivery time, cancellation terms and refund process. A small rate difference can matter more than a visible fee on a large transfer. This page provides an educational estimate only; confirm regulated-provider details and transaction terms before sending money.
Why does my bank show a different amount? It may use a rate from another time and include a spread or fee.
What is an exchange-rate spread? It is the difference between buying and selling rates or between customer and reference rates.
Can this predict a future amount? No. Use it as a current reference and obtain a firm quote for a transaction.