What is a currency converter?

A currency converter is a free tool that converts an amount of money from one currency to another using the current exchange rate. Our currency converter supports 30 major world currencies (USD, EUR, GBP, JPY, CNY, AUD, CAD, CHF, HKD, SGD, INR, KRW, MXN, BRL, and more) with editable rates. The currency converter is useful for travel, international shopping, cross-border business, and remittances.

How accurate are online currency converters?

Online currency converters show the mid-market rate — the rate banks trade at between themselves. The rate you actually get from a bank, ATM, or card will be 1-3% worse because of the spread. Our currency converter lets you override the rate with your own quote for a precise result. The currency converter is most accurate when you edit the rates to match what your provider offers.

How much is 1 USD in EUR?

At 2026 mid-market rates, 1 USD is roughly 0.92 EUR (1 EUR ≈ 1.09 USD). The rate moves daily based on relative interest rates, inflation, and trade balances between the US and Eurozone. Our currency converter shows the current rate and lets you adjust it. The currency converter also lets you enter the rate your bank quoted for an exact conversion.

How much is 1 USD in GBP?

At 2026 mid-market rates, 1 USD is roughly 0.79 GBP (1 GBP ≈ 1.27 USD). The GBP/USD pair is one of the most-traded currency pairs in the world and moves several pips a day. Our currency converter shows the current rate with editable override. The currency converter also shows a 30-currency reference table for common conversions.

What is the best exchange rate to use for currency conversion?

Use the rate your bank, card issuer, or transfer service quotes — not the mid-market rate. Mid-market is what the currency converter shows by default, but it excludes the spread that providers charge. Wise (formerly TransferWise) and OFX typically offer rates closest to mid-market. Our currency converter lets you edit the rate so you see exactly what you will pay or receive.

Do I lose money when converting currency?

Yes — every conversion includes a spread of 1-3% over the mid-market rate, plus sometimes explicit fees. On $1,000 converted, a 2% spread costs you $20. Our currency converter can model this by entering your bank's actual rate. The currency converter also explains why the rate differs from the reference rate.

Should I use a credit card or cash abroad?

Cards generally beat cash for foreign transactions if your card has no foreign transaction fee (most travel cards). Cash from an ATM using a low-fee debit card is the next-best option. Airport exchange counters are the worst — typically 5-8% spread. Our currency converter can model all three. The currency converter shows what each option would cost in your home currency.

What is dynamic currency conversion (DCC) and should I accept it?

Dynamic currency conversion is the option at a foreign card terminal or ATM that offers to charge you in your home currency instead of the local one. It looks convenient, but the rate includes a 3-8% markup and the terminal operator may add a fee, so you almost always get a worse rate than letting your bank convert. The safe move is to always choose 'pay in local currency' and let your card network's Visa or Mastercard rate apply, which is typically within 1% of mid-market. Use our currency converter with the local-currency amount to see what you should be charged, then compare it against what DCC would quote you. Our dynamic currency conversion calculator works exactly the same way: enter the amount, the two currencies, and compare the rates.

How do I convert currency by hand without a calculator?

To convert manually, divide the source amount by the exchange rate (amount ÷ rate = target value). For the other direction, multiply (amount × rate = target value). For example, $500 USD to EUR at 0.92: 500 ÷ 0.92 = €543.48. For USD to JPY at 149: 500 × 149 = ¥74,500. Our currency converter does this division or multiplication instantly, handles currency symbols and decimal places automatically, and lets you lock in a specific rate so you can reproduce the math.

Can I check historical exchange rates with this converter?

Yes. The exchange-rate-on-a-date lookup on this page pulls the European Central Bank's own historical reference rates — pick any business day from January 1999 onward and it returns that day's rate for every currency, plus how much it has moved since. A search engine's built-in conversion box can only ever show today's rate, so this is the part of currency conversion a webpage actually does better. The ECB publishes one reference rate per business day, so a weekend or market holiday resolves to the last published day. For a rate on a specific past date you can also paste it into the editable rate field above and the conversion uses that rate instead of today's.

What is an average exchange rate calculator and when do I need one?

An average exchange rate calculator turns a series of rates into a single blended figure. You need one when money left your account across many days rather than all at once — a freelancer invoicing clients in euros across a quarter, a business paying a supplier in three installments, or importing transactions into bookkeeping software. Add up each day's foreign amount, add up the foreign currency received, then divide one by the other to get the average rate you actually transacted at. A simple total is usually enough: total foreign received ÷ total home currency paid. If you need more rows than the calculator above shows, list each line and average the rates instead — but weighting by transaction size gives a truer average than a flat mean, because a flat mean gives a $5 transaction the same weight as a $50,000 one.

Does this currency converter show currency symbols?

Yes. The converter renders standard symbols for every supported currency — $ for USD, € for EUR, £ for GBP, ¥ for JPY and CNY, ₩ for KRW, ₹ for INR, ₽ for RUB — and formats the result to two decimal places for most currencies and zero for JPY and KRW, which are conventionally written without a fractional part. The Quick Answer tables below the calculator list the symbol alongside each currency code and its current rate.

How do I calculate a currency conversion rate?

It depends which direction you are converting, and getting this backwards is the most common error. Converting FROM USD TO a foreign currency, multiply: target = amount × rate. At 149 JPY per USD, 500 USD × 149 = 74,500 JPY. Converting FROM a foreign currency TO USD, divide: target = amount ÷ rate. The same trade checked the other way, 74,500 JPY ÷ 149 = 500 USD. The rule that resolves the confusion is how the rate is quoted. A rate quoted as 'JPY per USD' tells you how many yen one dollar buys, so divide when going back to dollars. A rate quoted as 'USD per EUR' tells you how many dollars one euro is worth, so multiply. In short, if the currency in the quote is the one you are converting into, multiply; if it is the one you are converting from, divide. The calculator above does this for you — pick the from-currency and to-currency and it applies the right operation automatically.

What is the difference between a currency converter and a money transfer service?

A currency converter like this one is a reference tool. It tells you the mathematical value of an amount at a given rate and moves no money. A money transfer service — Western Union, MoneyGram, Wise, Remitly — actually sends funds from your account to the recipient's, and it charges you for that in two ways: a transfer fee plus a spread, meaning the rate you are given is worse than the mid-market rate. On a $1,000 transfer, a 2% spread plus a $5 fee costs you about $25, so the recipient receives $975 rather than $1,000. Use this calculator to check the rate you were actually quoted against the mid-market reference — the difference is exactly what the transfer cost you. Worth noting that at these volumes many transfer services are genuinely cheaper than a bank's retail rate, so the cheapest way to move money is often not your bank.

Why do currency converters disagree with each other?

Every provider starts from the same interbank mid-market rate and then adds its own margin on top, and each refreshes on its own schedule, so two quotes can differ within minutes. There are four layers to the gap. First, the mid-market rate itself, which moves continuously as supply and demand shifts. Second, the provider's spread — typically 0.5-3% — which is where most converters quietly make their money. Third, an explicit transfer or display fee, which some providers bury and others list. Fourth, timing: weekend and holiday quotes often use Friday's closing rate, so a converter that publishes stale data will look wrong against one running live. The practical rule is to compare the final amount you send or receive, not the headline rate. A 0.5% better rate can still lose to a $5 fixed fee on a small transfer, and on a large transfer the spread dominates — which is why the right comparison is always total cost in your own currency.

What is a money translator calculator?

A money translator calculator is a currency converter under a different name. Pick the currency you have, the currency you want and the amount; the tool multiplies by today's reference rate and shows the result. Some money translators also add the transfer fee or the bank's spread so you can see what the recipient actually receives — this page does the same thing by letting you type your provider's quote into the rate field. It also prints the full money conversion table, so what $1, $100, $1,000 and $10,000 are worth in every major currency is readable without typing anything in.

What is a money exchange rate calculator, and how is it different from a currency converter?

It is the same arithmetic with a different label. A money exchange rate calculator multiplies an amount by one exchange rate to give the equivalent in another currency; a currency converter is the tool that does that multiplication for you. The only real difference is where the rate comes from — a mid-market reference rate, which is what this page quotes from the European Central Bank, versus a bank's or transfer service's rate, which is usually 1-3% worse. Enter your provider's quote into the editable rate field and the conversion uses it instead of the reference rate.

What is a forex converter calculator?

A forex converter calculator is a currency converter that quotes currency-pair exchange rates — the same calculation, with the pair written into the label. This page converts 30 currencies against each other using the ECB's daily reference rates and will look up the rate for any business day since January 1999. Because those are the interbank mid-market rates, they are the same rates a forex broker's chart shows before the broker's own spread is added on top.

What is a monetary converter calculator, and what does a cash exchange calculator tell me?

Both names point at the same tool. A monetary converter calculator converts an amount from one currency into another; a cash exchange calculator adds the practical cost of changing cash rather than quoting mid-market — airport counters typically add 5-8% over mid-market, while a card with no foreign transaction fee adds about 1%. Convert the amount at mid-market here, then convert it again at your provider's rate: the gap between the two results is what the exchange actually costs you, and that gap — not the headline rate — is the number to compare.

CalcCentral

FinanceUpdated 2026年11月7日

汇率换算计算器

30 种货币，使用欧洲央行每日参考汇率换算，支持双向输入。

100% Free

No Signup

Works Offline

Updated 2026

Currency Converter

Reference rates as of Nov 7, 2026 — European Central Bank daily reference rates (mid-market).

Amount

Converted amount

€

From

Adjust exchange rates (optional)

Banks and card networks add spreads of 1–3% above market rates. Enter the rate your bank quotes for an accurate result.

1 USD = ? EUR

1 USD = ? USD

1 USD = ? EUR

$100.00 USD ≈ €89.6118 EUR

Reference rate: 1 USD = 1.1159 EUR (mid-market)

Reference rates are mid-market rates updated daily. For real transactions, use the rate quoted by your bank, card issuer, or transfer service.

Quick Reference: 1 USD equals

Code	Currency	Amount
USD	US Dollar	$1.00
EUR	Euro	€0.8961
GBP	British Pound	£0.7477
JPY	Japanese Yen	¥158
CNY	Chinese Yuan	¥6.6861
AUD	Australian Dollar	A$1.455
CAD	Canadian Dollar	C$1.41
CHF	Swiss Franc	CHF0.8199
HKD	Hong Kong Dollar	HK$7.8396
SGD	Singapore Dollar	S$1.2818
INR	Indian Rupee	₹94.1392
KRW	South Korean Won	₩1,357
MXN	Mexican Peso	MX$18.6565
BRL	Brazilian Real	R$5.5032
RUB	Russian Ruble	₽81.6927
ZAR	South African Rand	R16.5148
TRY	Turkish Lira	₺50.1774
SEK	Swedish Krona	kr9.8905
NOK	Norwegian Krone	kr9.4521
DKK	Danish Krone	kr6.7011
PLN	Polish Zloty	zł3.9369
THB	Thai Baht	฿33.5521
IDR	Indonesian Rupiah	Rp18,099
PHP	Philippine Peso	₱63.084
MYR	Malaysian Ringgit	RM4.0573
VND	Vietnamese Dong	₫25,585
AED	UAE Dirham	د.إ3.6725
SAR	Saudi Riyal	﷼3.75
ILS	Israeli Shekel	₪3.1931
NZD	New Zealand Dollar	NZ$1.8043
TWD	Taiwan Dollar	NT$32.8428

换汇实际成本计算器

银行、信用卡和汇款服务给出的报价都会在市场中间价（mid-market rate）上加点，再加上固定手续费。大额转账主要成本来自汇率差，小额转账则可能是手续费更高。用这个计算器算出你的报价真实成本。

What does converting actually cost?

Banks and transfer services quote a rate that is worse than the mid-market rate — that gap is the spread. Add the fixed fee and you get the real cost of the conversion.

Amount

From

Spread (%)

Fixed fee (in USD)

Mid-market value

€896.12

1 USD = 0.8961 EUR

You actually receive

€873.20

1 USD = 0.8782 EUR after the spread

Total cost

€22.92

2.56% of the mid-market value

速答：$1,000 USD 换主要货币（2026年11月7日 ECB 参考汇率）

按欧洲央行最新参考汇率，$1,000 USD 可兑换：

目标货币	汇率	$1,000 USD 换得
EUR（欧元）	0.90	896.12
GBP（英镑）	0.75	747.72
JPY（日元）	158	158,369
CNY（人民币）	6.69	6,686.11
CAD（加拿大元）	1.41	1,410.00
AUD（澳元）	1.45	1,454.96

汇率来源：欧洲央行（ECB）每个工作日公布一次的参考汇率。信用卡境外消费通常加 1-3% 货币转换费。机场柜台换汇通常最差（多收 5-15%）。Wise / Revolut 通常最优。

参考资料

European Central Bank — Exchange Rates ecb.europa.eu
IRS — Yearly Average Exchange Rates irs.gov

Verified accuracy

Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.

Instant results

No server roundtrip. All math runs in your browser so results appear the moment you finish typing.

Your data stays private

We never collect, store, or transmit your inputs. Every calculation runs locally in your browser.

Learn as you calculate

Each calculator includes the formula, plain-English explanation, and FAQs so you understand the result.

Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.

FAQ

Frequently asked questions

Everything you need to know about this calculator. Can't find what you're looking for? Email our team.

A money converter is the same tool as a currency converter — it converts an amount of money from one currency to another using the current exchange rate. A money conversion table is the static form of the same numbers: what $1, $100, $1,000 and $10,000 are worth in the major currencies, without typing anything in. Our money conversion table on this page quotes every figure from the same European Central Bank reference rates the calculator uses, so the table and the tool can never disagree. Editable rates mean you can swap in your bank, card or transfer service's quote and see what the recipient actually gets.

How it works

How to convert between currencies

Our currency converter turns an amount in one currency into the equivalent value in another, using the current exchange rate.

1
Enter the amount
Type the number you want to convert. The currency converter updates instantly as you type.
2
Pick the source and target currencies
Use the From and To dropdowns to select which currencies to convert between. The currency converter covers 30 major world currencies including USD, EUR, GBP, JPY, and CNY.
3
(Optional) Override the exchange rate
Open the rate-adjustment panel to enter the exact rate your bank or transfer service quoted. The currency converter recalculates immediately. This is the most important step for accuracy — mid-market rates differ from the rate you actually get by 1-3%.
4
Read the result
The currency converter shows the converted amount, the cross-rate (1 source = X target), and whether you used the market rate or a custom rate. The result updates instantly as you change any input.

汇率换算计算器

Currency Converter

Quick Reference: 1 USD equals

换汇实际成本计算器

What does converting actually cost?

速答：$1,000 USD 换主要货币（2026年11月7日 ECB 参考汇率）

参考资料

Verified accuracy

Instant results

Your data stays private

Learn as you calculate

Frequently asked questions

How to convert between currencies

Enter the amount

Pick the source and target currencies

(Optional) Override the exchange rate

Read the result

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