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Currency Calculator – Convert Any Currency Instantly

Exchange rates fluctuate constantly, and the rate you see in a currency converter isn't always the rate you'll get at a bank or exchange bureau. Understanding mid-market rates (the 'true' rate) versus the rates offered with a spread helps you evaluate whether you're getting a fair deal on currency exchange.

This converter shows the mid-market exchange rate — the midpoint between buy and sell rates on the global forex market. Use it for travel planning, international purchases, wire transfers, or financial research. Note that banks and exchange services add their own margin on top of the mid-market rate.

How to use the Currency Calculator

Enter the amount to convert.

Select your source currency (the currency you have).

Select your target currency (the currency you want).

View the converted amount at the current mid-market rate.

Major Currency Pairs — Approximate Mid-Market Rates
Pair	Rate (approx.)	$100 USD Buys
USD/EUR	≈ 0.92	€92
USD/GBP	≈ 0.79	£79
USD/JPY	≈ 149	¥14,900
USD/CAD	≈ 1.36	CA$136
USD/AUD	≈ 1.53	A$153
USD/CHF	≈ 0.88	CHF 88
USD/INR	≈ 83	₹8,300

Currency Calculator FAQ

What is the mid-market rate?

The mid-market rate is the midpoint between buy and sell prices in the global forex market. It represents the 'true' exchange rate before any bank or service adds its profit margin.

Why does my bank give a different rate?

Banks and exchange bureaus add a spread (typically 1–5% markup above mid-market) to profit from currency exchange. Wire transfer fees and conversion fees are additional charges on top of that.

What is the cheapest way to exchange currency?

Using a debit card at a foreign ATM typically gives near-mid-market rates with a small flat fee. Online services like Wise (TransferWise) are cheaper than banks for larger transfers. Airport kiosks and hotel exchange desks offer the worst rates.

What factors move exchange rates?

Interest rate differentials between countries, inflation rates, trade balances, political stability, and market sentiment all influence exchange rates. Major economic announcements can cause significant short-term rate movements.