Currency Converter
Convert money between 32 currencies at the latest reference rate.
Loading the latest reference rate…
Optional
Banks and cards often add 1% to 3.5%.
Your result
—
Enter your numbers to see the result.
This currency converter changes an amount from one currency to another at the latest reference exchange rate, published by the European Central Bank and loaded automatically when you open the page. It covers 32 currencies, including the US dollar, euro, pound, Indian rupee, UAE dirham and Japanese yen, and lets you add a bank or card markup to see what you would really receive.
What is a Currency Converter?
A currency converter tells you how much one currency is worth in another at a given exchange rate. Exchange rates change constantly as currencies are traded, so converters usually use a reference or mid-market rate, which sits between the rates at which banks buy and sell.
The European Central Bank publishes reference rates for about 30 major currencies every working day. This currency converter loads the latest ECB rates automatically, covers 32 currencies including the pegged UAE dirham and Saudi riyal, and lets you add a markup to see what a bank or card would really give you.
How does the Currency Converter work?
When the page opens, the converter fetches the latest reference rates against the US dollar and works out the cross rate for your pair: the rate of the ‘to’ currency divided by the rate of the ‘from’ currency. The amount is multiplied by that rate. A markup reduces the amount received by that percentage. If the rate service cannot be reached, it uses built-in rates from 9 October 2026, and you can always type your own rate.
How to use the Currency Converter step by step
- Enter the amount.
- Choose the from currency.
- Choose the to currency.
- Check the exchange rate; it fills in automatically.
- Add a markup to see bank or card costs.
- Copy the result.
Currency Converter example with real numbers
A freelancer in India is paid $1,000 by a US client and wants to know the rupee amount at the reference rate.
| Example input | Value |
|---|---|
| Amount | $1,000 |
| From → To | US dollar → Indian rupee |
| Rate | ₹96.73 per $1 (ECB reference rate, 9 October 2026) |
| Example output | Value |
|---|---|
| $1,000.00 in INR | ₹96,730.00 |
| At reference rate | ₹96,730.00 |
| 1 USD | 96.730000 INR |
| 1 INR | 0.010338 USD |
| With 0.00% markup | ₹96,730.00 |
| Markup cost | None |
The currency converter shows ₹96,730.00. If the bank keeps a 2% margin, set the markup to 2 to see the amount actually credited.
Key features of this Currency Converter
- 32 currencies
- Latest ECB reference rates
- Automatic cross rates
- Markup cost
- Manual rate override
Who should use the Currency Converter?
Who is this Currency Converter for?
- Travellers
- Freelancers paid in foreign currency
- Online shoppers buying abroad
- Families sending money home
Practical use cases
- Converting an invoice
- Checking a holiday budget
- Comparing a remittance quote with the reference rate
- Pricing products for another country
Key benefits
- Up to date: loads the latest rate.
- Honest: shows markup cost.
- Wide: 32 currencies.
- Private: amounts stay in your browser.
Tips for better results
- Compare a provider’s rate with the reference rate to see its margin.
- Card payments abroad often add 1% to 3.5%.
- Pay in the local currency when a card terminal offers conversion.
- Large transfers may have fixed fees on top of the rate.
Common mistakes to avoid
- Assuming the reference rate is what you will get.
- Ignoring fixed transfer fees.
- Accepting dynamic currency conversion at shops abroad.
- Using an old rate from a screenshot.
Limitations of this Currency Converter
- Rates are published once each working day.
- Fees are not included.
- Some currencies are not covered by the ECB.
Currency Converter vs other ways to calculate
| Rate type | What it is |
|---|---|
| Reference (mid-market) | Midpoint between buy and sell rates |
| Bank or card rate | Reference rate plus a margin |
| Remittance service rate | Often closer to reference, plus a fee |
For rupees and dollars only, use the INR to USD converter. For tax on foreign remittances from India, see the TCS on foreign remittance calculator.
Privacy and data handling
Your amounts stay in your browser and are never sent anywhere. To show the latest rates, the page makes one request to a public exchange rate service (Frankfurter, using European Central Bank data, or ExchangeRate-API as a backup). That request contains no personal data and none of the numbers you type.
Currency Converter FAQs
Where do the exchange rates come from?
European Central Bank reference rates via the free Frankfurter service, with ExchangeRate-API as a backup.
How often are rates updated?
The ECB publishes reference rates once each working day, around 16:00 CET.
Why does my bank give a different rate?
Banks add a margin to the reference rate and may charge fees.
Is the UAE dirham included?
Yes. The dirham is pegged at 3.6725 per US dollar, and the Saudi riyal at 3.75.
How much is $1,000 in rupees?
At the 9 October 2026 reference rate of 96.73, about ₹96,730; the page loads today’s rate.
Can I enter my own rate?
Yes. Type any rate in the exchange rate field.
Related tools
Sources and references
We checked the method and the current figures used in this Currency Converter against these official and primary sources:
- European Central Bank: Euro foreign exchange reference rates
- Frankfurter: open exchange rate API
- Reserve Bank of India
- Central Bank of the UAE
Written and reviewed by the Qorico Team
