Currency Converter
Convert between 11 major currencies at the latest central-bank reference rate, with the rate's date shown next to every result.
How to use this calculator
Type an amount, pick the currency you have and the one you want, and press Convert. The arrows between the two lists swap them. Each result shows the rate it used and the date of that rate, so you can tell a figure from this morning apart from one you worked out last week. Only the two currency codes are sent to the rate service; the amount is multiplied in your browser.
Where the rate comes from
Rates come from the free Frankfurter API. By default it blends the daily reference rates published by central banks and other official sources that cover the pair, and returns one rate with a date. A reference rate is an indicative mid-market figure for that day, not a price anyone will trade with you at: it has no buy/sell spread and no margin. The UAE dirham is a useful check on this: the Central Bank of the UAE pegs it at 3.6725 dirhams per US dollar, and Frankfurter returned exactly 1 USD = 3.6725 AED for 26 September 2026.
Worked example: what a 2% margin costs
For 26 September 2026 the tool returned 1 USD = 95.87 INR, so 100 USD converts to 100 × 95.87 = ₹9,587.00. Suppose a money changer quotes 93.95 rupees per dollar instead. That rate is about 2% below the reference rate (93.95 ÷ 95.87 = 0.98), and on the same 100 USD you receive ₹9,395.00: ₹192.00 less, with no line on the receipt labelled as a fee. Comparing a quoted rate with the reference rate for the same date is the quickest way to see that margin.
Frequently Asked Questions
What date is the rate from, and does it change during the day?
The result shows the date Frankfurter attaches to the rate. It is built from reference rates that central banks and other official sources publish once per business day, so the figure does not tick up and down during the day the way a trading screen does. Converting again later the same day will usually return the same rate.
Why is the rate my bank or card gives me lower than this?
A reference rate has no margin in it. Banks, card networks and money changers build their margin into the rate they quote (and some add a separate fee on top). To see what a quote costs you, divide their rate by the reference rate for the same date: 93.95 against 95.87 is about 2% worse.
What does "live rate unavailable" mean?
The request to Frankfurter failed, usually because the connection dropped or the service was briefly unreachable. If this browser has converted the same pair before, the page shows that saved rate with its date so you can judge how old it is; it never substitutes a built-in estimate. Otherwise it shows no result until a live rate loads.
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