Currency Converter
Convert one amount into several currencies at once at the European Central Bank's daily reference rates, with the rate date, inverse rates and a 30-day trend.
The interactive tool loads here when JavaScript runs.
About this toolWhat is the Currency Converter?
This currency converter turns an amount in one currency into as many others as you like, all at once, using the euro foreign exchange reference rates the European Central Bank publishes every working day. Each line shows the converted amount, the rate in both directions, and the date of the rates, so you know exactly which day's prices you are looking at.
Swap the direction with one click, add or remove target currencies, and tap any currency to see a 30-day sparkline of its rate against your base currency with the high, low and change over the period.
Be clear about what it is: this tool calls an external rates API (api.frankfurter.dev) from your browser. Only the currency codes are sent in the request; the amount you type never leaves your device. The rates are official daily reference rates, not live trading prices and not the rate your bank or card will apply.
- ECB daily reference rates via the Frankfurter API, with the rate date shown
- One amount converted into up to 12 currencies at once
- Rates in both directions and a one-click swap
- 30-day sparkline with high, low and change
- Only currency codes are sent; your amount stays in the browser
How to use the Currency Converter
- Type the amount and choose the currency you are converting from.
- Review the target currencies; remove any with the × and add more from the Add a currency list.
- Read each converted amount and the rate in both directions, and check the ECB rate date under the list.
- Use the swap button to reverse the first pair, or tap a currency to see its 30-day trend.
- Copy the conversions as text or share a link that reopens the same amount and currencies.
Worked examples
Dollars into five currencies
Input
100 USD to EUR, GBP, INR, JPY and CAD, ECB rates for 28 October 2026
Output
€89.82, £75.26, ₹9,522.00, ¥15,796 and CA$140.47
One request for the dollar table gives every target. Yen is shown without decimals because it has no minor unit in everyday use.
Reading the inverse rate
Input
1 USD = 0.8982 EUR
Output
1 EUR = 1.1133 USD
The inverse is simply 1 ÷ rate. Both are shown so you can read whichever quote convention your bank or invoice uses.
Background and insight
The ECB reference rates come from a daily concertation between central banks across Europe that normally takes place around 14:10 CET, and they are published at about 16:00 CET on every working day except TARGET closing days. The list covers about 30 currencies, including the US dollar, pound, yen, Swiss franc, Indian rupee, Chinese renminbi and Australian and Canadian dollars. The ECB states the rates are for information only and discourages using them for transactions.
Every ECB rate is quoted against the euro. A pair such as USD to INR is therefore a cross rate: (EUR to INR) ÷ (EUR to USD). The free, open-source Frankfurter API rebases the ECB table to whichever currency you convert from, and the calculator does the remaining division in your browser. Rates published on Friday stay in force through the weekend, which is why the date can be a day or two old.
What you actually pay to change money is the reference (mid-market) rate plus a spread or fee. Banks, card networks, transfer services and airport kiosks all set their own margins, and dynamic currency conversion at a shop or ATM abroad is usually the most expensive option. Use this converter to know the fair rate and to judge how much a quote is marking it up.
Common use cases
Travel budgeting
Convert a trip budget into the local currency and see whether the rate has been moving for or against you.
Invoices and freelancing
Price work for a client abroad at a published, dated reference rate you can cite.
Checking a bank or card quote
Compare the rate you were offered with the ECB rate to see the size of the markup.
Online shopping abroad
See what a price in pounds, yen or rupees comes to in your own currency before you buy.
Tips and limitations
- Reference rates are fixed once a day. During market hours the live rate can differ, especially on volatile days.
- When paying by card abroad, choosing to be charged in the local currency usually avoids the worse rate of dynamic currency conversion.
- Some currencies, such as the Russian rouble, are not in the ECB list. The ECB suspended its RUB rate in 2022.
- The tool needs a connection to load rates. If you are offline or the service is down, it shows an error and a retry button rather than stale numbers.
Frequently asked questions
Where do these exchange rates come from?
From the European Central Bank's euro foreign exchange reference rates, fetched through the Frankfurter API. They are set once each working day at around 14:10 CET and published at about 16:00 CET. The date of the rates in use is shown under the results.
Are these live exchange rates?
No. They are daily reference rates, which suit budgeting, invoicing and checking quotes. Live interbank rates change every second during market hours and can differ from the reference rate, especially on volatile days.
Why is my bank's rate different from the converter?
Banks, card networks and exchange services add a margin to the mid-market rate or charge a fee. The difference between their rate and the reference rate shown here is roughly what the conversion is costing you.
Does the currency converter send my amount anywhere?
No. The browser requests a rate table for your base currency, so only currency codes go to the API. The multiplication happens on your device and the amount is not part of any request.
Why do the rates not change at the weekend?
The ECB publishes only on working days. Friday's rates remain the latest until Monday afternoon, and the same applies on TARGET holidays such as Christmas and 1 May.
How is a cross rate like GBP to INR worked out?
The ECB quotes both against the euro, so GBP to INR equals (EUR to INR) ÷ (EUR to GBP). The converter does this automatically for any pair in the list.
Is there an in-depth guide to the Currency Converter?
Yes. “Exchange Rates Explained: Reference Rates, Cross Rates and Markups” covers the background, how it works, common pitfalls and worked examples. Read the full guide.
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