Currency Converter
This currency converter turns an amount into any of 30 currencies using the euro reference rates of the European Central Bank, loaded fresh when you open the page. The date of the rate is always shown below the result.
Source: Europäische Zentralbank – Euro foreign exchange reference rates (Referenzkurse, werktäglich gegen 16:00 Uhr MEZ). Updated: .
How it is calculated
A currency converter multiplies the amount by the exchange rate: amount in the target currency = amount × rate. This one uses the euro foreign exchange reference rates of the European Central Bank (ECB). They are published on every trading day at around 16:00 CET and state how many units of a foreign currency equal one euro.
How the conversion works
If one of the two currencies is the euro, a single multiplication or division is enough. For every other pair the euro acts as a bridge (a cross rate): amount ÷ euro rate of the source currency × euro rate of the target currency.
Worked example
Suppose 1 EUR = 1.10 USD. Then 250 EUR = 250 × 1.10 = 275.00 USD. If 1 EUR also equals 0.85 GBP, then 100 USD = 100 ÷ 1.10 × 0.85 = 77.27 GBP. These example rates are made up; the converter above always uses the most recently published rate and tells you its date.
A reference rate is not a bank rate
- ECB reference rates are for information only. Nobody will actually trade with you at this rate.
- Banks and card issuers add a margin or a foreign transaction fee; cash at airports usually carries the widest spread.
- At weekends and on holidays the rate of the last trading day applies.
- Rates are fetched directly in your browser. If that fails, the converter shows a message or the last saved rates together with their date.
Swap, several currencies at once, common amounts and the rate chart
The Swap button reverses the pair with one click. Under “More target currencies” you can list any of the 30 currency codes, and the converter shows your amount in all of them at once. The table of common amounts lists 1, 5, 10, 50, 100, 500 and 1,000 units in both directions, handy as a cheat sheet while travelling. The rate chart plots the ECB reference rate of your pair for the last 30, 90, 180 or 365 days with the low, high, average and change over the period; there is one value per trading day, so it is not a live intraday chart. Your amount and currency pair are part of the page address, so a bookmarked or shared link opens the same conversion. The pairs you used last are remembered in this browser only.
Frequently asked questions
Where do the exchange rates come from?
From the European Central Bank: they are the official euro reference rates, retrieved through the open Frankfurter API. The date of the rate is shown below the result.
Why does my bank give me a different rate?
Because a reference rate is a mid-market rate without any markup. Banks, credit cards and exchange bureaus quote their own buy and sell rates and often charge fees on top.
How do I convert between two currencies when neither is the euro?
Use the cross rate: divide the amount by the euro rate of the source currency and multiply by the euro rate of the target currency. The converter shows this step in the working.
How often do the rates change?
The ECB sets its reference rates once per trading day. Between two publications the rate in the converter stays the same, even though the currency market keeps moving.
Does the converter show historical exchange rates?
Yes. Below the result a chart shows the ECB reference rate of your currency pair for the last 30, 90, 180 or 365 days, with the lowest, highest and average rate and the change over the period. It contains one value per trading day, not minute-by-minute market prices.
Sources and legal basis
- Europäische Zentralbank – Euro foreign exchange reference rates (Referenzkurse, werktäglich gegen 16:00 Uhr MEZ)
- Frankfurter – open, keyless interface for the ECB reference rates (retrieved by our server once an hour; also the time series for the rate history)
As of: · Editorial policy
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