Live currency converter
Convert between 18 major world currencies using live mid-market exchange rates. Useful for travellers budgeting a trip, online shoppers comparing prices across borders, and freelancers quoting clients abroad. Enter an amount, choose your currencies (or tap swap), and see the converted value plus the per-unit rate instantly.
How it works
Rates are fetched from a free, key-less public FX API with the US dollar as the
base, so every currency is stored as an amount-per-USD. To convert between any two
currencies the tool first divides your amount by the source rate to reach USD,
then multiplies by the target rate: converted = (amount ÷ rateFrom) × rateTo.
The result is formatted in the target currency, and the per-unit rate (1 unit of From = N units of To) is shown to four decimal places. Fetched rates are cached
in your browser so the tool keeps working between visits.
What “mid-market rate” means and why it differs from your bank
The mid-market rate (also called the interbank rate) is the midpoint between the best buying price and the best selling price for a currency pair at any moment. It is the rate you see on Reuters, Google Finance, and XE.com, and it is the rate financial institutions use when settling with each other.
When you exchange money through a bank, credit card, or money-transfer service, they apply a spread — charging you a rate that is worse than the mid-market rate, and keeping the difference as profit. This spread can range from under 1% (specialist transfer services, travel cards) to over 5% (airport kiosks, hotel desks). Some services also add a fixed fee on top.
This tool shows you the mid-market rate, which serves as a reference point. If your bank is offering GBP/EUR at 1.12 and the mid-market rate is 1.17, you are paying roughly a 4% margin.
The 18 supported currencies
| Code | Currency | Region |
|---|---|---|
| USD | US Dollar | United States |
| EUR | Euro | Eurozone |
| GBP | Pound Sterling | United Kingdom |
| JPY | Japanese Yen | Japan |
| AUD | Australian Dollar | Australia |
| CAD | Canadian Dollar | Canada |
| CHF | Swiss Franc | Switzerland |
| CNY | Renminbi (Yuan) | China |
| INR | Indian Rupee | India |
| BRL | Brazilian Real | Brazil |
| ZAR | South African Rand | South Africa |
| SGD | Singapore Dollar | Singapore |
| NZD | New Zealand Dollar | New Zealand |
| MXN | Mexican Peso | Mexico |
| SEK | Swedish Krona | Sweden |
| NOK | Norwegian Krone | Norway |
| AED | UAE Dirham | UAE |
| TRY | Turkish Lira | Turkey |
Any pair from this list can be converted in either direction.
How cross-rates are calculated
All rates are stored relative to USD. Converting between two non-USD currencies — for example GBP to EUR — follows two steps:
- Convert the amount from GBP to USD:
amount ÷ GBP-per-USD - Convert from USD to EUR:
× EUR-per-USD
In one formula: EUR amount = GBP amount × (EUR rate ÷ GBP rate).
For example (illustrative only — live rates vary): with a GBP rate of 0.79 and
a EUR rate of 0.92, converting £100 gives 100 × (0.92 ÷ 0.79) ≈ €116.46.
Offline mode
This is the only tool on this site that makes a network request — it fetches exchange rates from a free, key-less public API and caches them locally. If the API is unreachable (offline, rate-limited, or down), the tool falls back to your last cached rates, or to bundled approximate rates if no cache exists, and clearly labels which it is using. Rates in offline fallback mode are indicative only and may be outdated.
Note: rates are indicative and not for dealing or financial planning. For significant transactions, always verify with your exchange provider.