How to read the result
The unit rates show both directions of the same cross-rate. Common amounts make it easier to compare a quote without repeatedly changing the input.
English calculators by country
Convert major currencies with current reference rates
Convert among major world currencies using the latest available European Central Bank reference-rate set, with a dated local snapshot available if the live feed cannot load.
How to use this calculator
- Enter the amount and choose source and target currencies.
- Check the displayed reference date before comparing the result with a bank or card quote.
- Add the provider's exchange-rate spread and transaction fee separately when budgeting a real conversion.
What this estimate does not capture
Reference rates are not executable trading quotes and can move before settlement. Unsupported currencies, cash rates and provider spreads are outside the calculation.
UNDERSTAND THE NUMBERS
A reference conversion is not the amount received
Fixed educational example · independent of your inputs above. $ means US dollars; these are not current rate quotes or return forecasts.
For illustration only, exchange $1,000 at a hypothetical reference rate of KRW 1,300 per USD. Suppose a provider pays 2% less than that rate and deducts a KRW 5,000 fee. These are not current market quotes.
| Conversion stage | KRW amount | Included adjustment |
|---|---|---|
| Reference | ₩1,300,000 | No costs |
| Provider rate | ₩1,274,000 | 2% rate reduction |
| Received | ₩1,269,000 | Then subtract ₩5,000 |
What the difference tells you
The reference value exceeds received funds by KRW 31,000. Comparing providers only by a stated transfer fee misses the exchange-rate spread. Compare the same send amount, destination currency and total delivered amount at the same time.
Before drawing a conclusion
EconoPi uses the latest available ECB reference data when available, with a dated offline fallback. The displayed data date matters, especially on holidays. The converter itself does not deduct the hypothetical spread or fee used in this example.
A comparison to try
Convert the amount at the displayed reference rate, then compare it with a provider's final quote. Divide the shortfall by the reference conversion to estimate the all-in percentage cost for that quote.
See why exchange rates affect wage comparisons →References for this explanation
Prepared by EconoPi · examples and explanations reviewed September 19, 2026. Tables are our calculations under stated assumptions, not forecasts or recommendations by the referenced organizations.
Frequently asked questions
Are these the rates my bank will use?
Not necessarily. ECB reference rates are informational mid-market benchmarks; banks and cards usually add a spread or transaction fee.
How are cross-currency rates calculated?
Each currency is represented as units per US dollar, then the amount is divided by the source rate and multiplied by the target rate.
How often do rates update?
The live reference feed normally updates on European Central Bank business days. Weekends and holidays retain the latest published date.
Why is my cash-exchange quote different?
Retail cash providers include inventory, operating costs and margin, so their buy and sell rates differ from a reference midpoint.
Related calculators
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.