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DayUtils

Currency Converter – Exchange Rates from the European Central Bank

Convert between around 30 major world currencies — including the US dollar, euro, British pound, Indian rupee, South African rand, Japanese yen, Chinese yuan and Canadian dollar — using the European Central Bank’s official daily reference rates. The rate date is always shown.

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How to use the currency converter

  1. Enter the amount.
  2. Choose the currency to convert from — it starts on your own currency where possible.
  3. Choose the currency to convert to.

You’ll see the converted amount, the rate in both directions, the date of the rates and the amount in ten major currencies.

How the conversion works

The ECB publishes how much of each currency one euro buys. To convert between any two currencies:

Amount in B = Amount in A ÷ (A per euro) × (B per euro)

Worked example

With the ECB rates for 6 November 2026 (1 EUR = 1.1165 USD and 1 EUR = 0.83415 GBP):

  • 100 USD → EUR = 100 ÷ 1.1165 = €89.57
  • 100 USD → GBP = 100 ÷ 1.1165 × 0.83415 = £74.71
  • 1 GBP → USD = 1.1165 ÷ 0.83415 = $1.3385

Getting a good rate when you travel or send money

  • Compare the total cost, not just the advertised rate or fee.
  • Pay in the local currency when a card machine abroad asks — “dynamic currency conversion” to your home currency usually costs more.
  • Avoid airport exchange desks, which often have the widest margins.
  • Use a card with no foreign transaction fees if you travel often.
  • For transfers, compare banks with specialist money-transfer services.

Mid-market rates explained

Every currency has a buying price and a selling price in the wholesale market. The mid-market rate is halfway between them, and it’s what reference rates like the ECB’s are based on. Consumers almost never get exactly this rate, but it is the fairest benchmark for comparing offers.

When the rates are updated

The ECB publishes new reference rates on working days; there are no new rates at weekends or on TARGET holidays. This site picks up the latest published rates each time it is rebuilt, so the date shown under the converter tells you exactly which day’s rates you are using.

Currencies not covered

The ECB does not publish rates for every currency. For currencies such as the Nigerian naira, Kenyan shilling, Ghanaian cedi or Egyptian pound, check your central bank or your bank for the current rate. Other money tools on this site — such as the VAT calculator and the paycheck calculator — work in many more currencies.

For how prices change over time, see the inflation calculator. Exchange rates are for information only and are not an offer to buy or sell currency — see our disclaimer.

Frequently asked questions

Where do the exchange rates come from?

From the European Central Bank (ECB), which publishes euro reference rates for about 30 currencies every working day at around 16:00 Central European Time. The site downloads the latest rates each time it is updated and shows their date.

Why is my bank’s rate different?

Reference rates are mid-market rates for information. Banks, card companies and money-transfer services add a margin or fee, so the rate you actually get is usually a little worse. Compare the total amount you’ll receive.

How is a rate between two non-euro currencies worked out?

Through the euro. To convert dollars to rupees, the amount is converted from dollars to euros and then from euros to rupees using the two ECB rates. This is called a cross rate.

Which currencies are included?

The currencies the ECB publishes, including USD, GBP, JPY, CHF, CAD, AUD, NZD, CNY, HKD, SGD, INR, ZAR, BRL, MXN, KRW, the Nordic currencies and several Central and Eastern European ones. Currencies such as the Nigerian naira and Kenyan shilling are not published by the ECB.

Are the rates live?

No. They are daily reference rates, not live trading prices. They are ideal for budgeting, travel planning and invoices that refer to an official rate, but not for trading.

Is my information sent anywhere?

No. The rates are part of the page, and the conversion happens in your browser.

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