Currency Converter — Live Exchange Rates
Convert between 30+ world currencies using live ECB exchange rates. Enter an amount, pick a currency pair, and see the result instantly — plus a full rate table for your base currency. No signup, runs entirely in your browser.
Rates are for informational purposes only and are sourced from the European Central Bank (ECB) via Frankfurter. They are typically updated on business days. Do not use these rates for financial transactions — always check with your bank or payment provider for current transactional rates, which may include fees and spreads.
How the Currency Converter Works
- 1Enter an amount in the first field — any positive number, including decimals.
- 2Select your From currency (the currency you are converting out of). Live rates for that base are fetched automatically.
- 3Select your To currency or click any row in the rate table. The conversion result and the inverse rate appear instantly.
- 4Use the swap button (⇄) to instantly flip the currency pair and convert in the opposite direction.
About the Exchange Rate Data
Rates are sourced from the European Central Bank (ECB) and are delivered via the open-source Frankfurter API. The ECB publishes reference rates on every working day — these are mid-market rates, meaning they sit midway between what buyers and sellers pay, with no bank markup applied.
Mid-market rates are the fairest benchmark for comparing currency values, but they are not the rates you will receive from a bank or payment provider. Always add a spread of 0.5–3% (or more, for some providers) when estimating the cost of a real transaction.
Tips for Currency Conversion
Compare Provider Rates
Banks typically offer rates 2–4% worse than the mid-market rate. Specialist money transfer services (Wise, Revolut, etc.) often come much closer to mid-market. Use this tool as your benchmark when comparing quotes.
Watch for Weekend Gaps
ECB rates are not published on weekends or bank holidays. If you check rates on a Saturday, you are seeing Friday's close. Currency markets can move significantly over a weekend — especially around major news events.
Use the Rate Table for Context
The rate table gives you a quick sense of relative currency strength. A high rate for JPY against USD, for example, reflects how many yen a dollar buys — not that the yen is "weak" in any absolute sense.
Convert Large Amounts in Batches
When transferring large sums internationally, splitting into two or three transfers on different days can reduce the impact of short-term rate fluctuations — a simple form of dollar-cost averaging for currency.
Check the Fee, Not Just the Rate
A provider advertising "0% commission" may still profit through a wide bid-ask spread built into the rate they offer. Calculate the all-in cost: (mid-market rate − their rate) × amount, then add any flat fees.
Bookmark Your Frequent Pair
The converter loads with USD to EUR by default. If you frequently convert a different pair, the From and To dropdowns remember your selection during your session — no need to re-select each time you return.
Frequently Asked Questions
Where do the exchange rates come from?
Rates are sourced from the European Central Bank (ECB) via the Frankfurter open API — a free, reliable data source that aggregates official ECB reference rates. These are the same rates widely used in financial and academic contexts.
How often are the rates updated?
The ECB publishes reference rates on every working day at approximately 16:00 CET. Rates are not updated on weekends or public holidays. The date of the last update is displayed below the conversion result so you always know how current the figures are.
Which currencies are supported?
The converter supports 31 major world currencies including USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, HKD, SGD, NZD, ZAR, KRW, BRL, MXN, TRY, and more. Click "Show all currencies" in the rate table to see the full list.
Can I use these rates for actual financial transactions?
No. ECB reference rates are mid-market rates — the midpoint between buy and sell prices. Banks, payment processors, and money transfer services apply their own spreads and fees on top of this. Always check with your financial institution for the exact rate you will receive on a transaction.
How do I convert between two non-USD currencies?
Simply select any currency as the "From" base, and any other as the "To" currency. The converter fetches live rates for your chosen base currency and converts directly — you do not need to go through USD or EUR as an intermediate step.
Is my data stored or sent to a server?
Only the API call to fetch exchange rates is made over the network (to api.frankfurter.app). No amount you type, no currency pair you select, and no personal information is ever stored or transmitted to PublicSoftTools servers. All calculation happens in your browser.
What does the rate table show?
The rate table shows how much of each listed currency you get for 1 unit of your selected "From" currency. Click any row to instantly set that currency as the "To" currency in the converter. Use "Show all currencies" to expand from the 15 popular defaults to all 31 supported currencies.
Why does the rate table not update when I change the To currency?
The rate table always shows rates from the "From" (base) currency. The "To" currency selection only affects the main conversion result — the table itself updates only when you change the base currency, since that requires a new API request.