Currency Calculator
Convert an amount between 30 currencies using the official ECB reference rates — with the fee your bank or card adds, if you like.
- ECB reference rates
- 30 currencies
- Fees included
- Rates from our server
Exchange rates are loaded from the ToolCMB server, which gets the euro reference rates of the European Central Bank once per working day. The amounts you enter are converted in your browser and are not sent to us.
More options
Banks and cards usually add 1 to 3 % to the reference rate.
For a rate quoted by your bank or exchange office.
Details
How to convert a currency
Amount, from, to.
- 1
Enter the amount
Type what you want to convert and choose the currency you have.
- 2
Choose the target currency
Pick the currency you need, or tap the swap button to reverse the direction.
- 3
Add the real-world cost
Enter the percentage your bank or card charges, or your own quoted rate, to see what you will actually get.
The reference rate — and the real one
Know the mid-market rate before you exchange.
Official source
The euro foreign exchange reference rates published by the European Central Bank every working day.
30 currencies
Major and regional currencies; any pair is calculated through the euro.
Fee or margin
Add the 1–3 % that banks and cards typically charge and see the difference.
Your own rate
Got a quote from a bank or exchange office? Enter it to compare with the reference rate.
Several currencies at once
A table shows the same amount in the other major currencies.
Offline fallback
If the server cannot be reached, the last saved rates are used and clearly dated.
Made for phones
Large fields, the right keyboard for numbers and a layout that fits small screens.
Your amounts stay private
Only the list of rates is fetched from our server. The amounts you type are converted in your browser.
How exchange rates and conversion fees work
An exchange rate says how much of one currency you get for one unit of another. The European Central Bank publishes reference rates for the euro against about 30 currencies around 16:00 CET on every working day. To convert between two non-euro currencies the calculator uses the cross rate: rate A→B = (euro rate of B) ÷ (euro rate of A).
Reference rates are mid-market rates: the midpoint between buying and selling prices, for information only. Nobody exchanges money for you at exactly this rate. Banks, card networks and exchange offices add a margin or fee — typically 0.5–3 % for cards and transfers and often 5–10 % or more for cash at airports and hotels.
To judge an offer, compare it with the reference rate. If the mid-market rate is 1.10 and you are offered 1.07, the margin is about 2.7 %. Abroad, always choose to pay in the local currency: “dynamic currency conversion” offered by terminals and ATMs usually applies a much worse rate than your own bank.
Typical cost of exchanging money
| Method | Typical margin or fee | Good to know |
|---|---|---|
| Specialist transfer services | 0.3–1 % | Close to the mid-market rate, fee shown up front |
| Debit or credit card abroad | 0–3 % | Depends on the card; pay in local currency |
| Bank transfer abroad | 1–4 % plus fees | Margin is hidden in the rate |
| Cash from a bank at home | 2–5 % | Order in advance |
| Airport or hotel exchange desk | 5–15 % | Avoid except in emergencies |
Tips
- Splitting holiday costs with friends? The Split Bill Calculator divides the bill fairly.
- Work out a fee or margin in percent with the Percentage Change Calculator.
- Tipping abroad? Check local customs and amounts with the Tip Calculator.
- Rates move during the day. For large amounts, ask for a binding quote and compare the total you receive, not just the fee.
Frequently asked questions
Can’t find your answer? Contact us — we reply quickly.
Where do the exchange rates come from?
From the euro foreign exchange reference rates of the European Central Bank. Our server fetches the public ECB file and passes the rates to this page.
How often are the rates updated?
The ECB publishes new rates once per working day, usually around 16:00 Central European Time. There are no updates at weekends or on ECB holidays; the date of the rates is always shown.
Why is my bank’s rate different?
The ECB rate is a mid-market reference. Banks and card companies add their own margin and fees, so you receive slightly less. Use the fee field to model this.
Are the amounts I enter sent to the server?
No. The page downloads only the list of exchange rates. The conversion itself happens in your browser, and your amounts are never transmitted to us.
Can I use these rates for tax returns or invoices?
ECB reference rates are widely used for accounting, but the required rate depends on your country and purpose. Check the rules of your tax authority before relying on them.
Does it work offline?
Yes, with limits. The last rates loaded are saved on your device, and a built-in set serves as a fallback. The date shown tells you how old they are.
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