Currency Converter (ECB rates)
A currency converter built on the European Central Bank's daily reference rates: 30 currencies, cross-rated through the euro, with the publication date printed under every result.
100 USD in EUR
Newer rates have not reached this copy.
Type the credited figure to see the margin you paid.
The rate, both ways
How to use
- Amount starts at 100. Type over it with the figure you actually have.
- Set From. The list carries 30 currencies with full names beside the codes, and since it runs past eight entries a filter box opens with it, so typing rupee jumps straight to INR.
- Set To the same way. USD to EUR is the pair the page opens on if you've never changed it.
- Read the large figure. The two cards under it give the unit rate both ways to five significant figures, in the form 1 USD = 0.86281 EUR and 1 EUR = 1.1590 USD.
- Check the line under the figure: the day the ECB published the rates you just used, how old they are, and why.
- If your bank has already paid you, type what it credited into the last box to see the margin it took.
- Press the swap button between the menus to reverse the pair. Copy result takes the figure; Share link takes the whole conversion.
About this tool
Type an amount, pick two currencies, read the answer. What makes this currency converter worth using for paperwork is where the numbers come from: the European Central Bank's daily reference rates, the same table a lot of accounting and invoicing software reaches for when it needs a neutral figure for a given day.
The rates travel inside the page as a small JSON file that a scheduled job refreshes once a day from the ECB feed. Because the table is already there, the converter still works with the network off. The publication date sits on the line under the result, with how long ago that was and why nothing newer is there: the ECB publishes at around 16:00 Central European Time and only on working days, which is why a Sunday conversion carries Friday's date. If a working day's rates exist and this copy lacks them, the page says so instead of passing the old rate off as today's.
A trip budget, a freelance quote, an invoice you're checking, a salary figure you want in your own currency: for all of those, a daily reference rate is the right instrument. Moving money is a separate question. Your bank or your card network prices in a margin over the mid-market rate, and the gap between their number and this one is the fee nobody printed on its own line.
Two things worth knowing about the controls. The swap button between the selectors flips the pair. And the amount, the source currency and the target currency all live in the page URL, so a bookmark reopens that exact conversion and Share link hands someone else the same figure. The selectors also remember your last pair between visits.
A worked conversion
Say you invoiced a US client for $2,500 and want to know what that is in rupees. Put 2,500 in Amount, leave From on USD, set To to INR. On the 1 September 2026 snapshot the ECB had the euro at 1.159 dollars and 110.0485 rupees, so the cross-rate lands at 1 USD = 94.951 INR, and the figure reads ₹237,378.13.
Whatever your bank actually credits will be lower than that. Type ₹232,000 into the last box and the cards change to the margin: ₹5,378.13 below the reference, 2.27% of the amount, at an effective rate of 1 USD = 92.800 INR.
Good to know
- One snapshot a day. Intraday moves are invisible here, and at a weekend or on a TARGET closing day you're looking at the last working day's rates, because the ECB doesn't publish on those days. The line under the figure names which.
- Nobody will trade with you at these rates. Banks, cards and transfer services quote their own, with the margin folded into the rate rather than shown as a fee.
- Thirty currencies, and they are the ECB's thirty. No dirham, no riyal, no rouble, and no crypto of any kind.
- Rounding is display only. Each currency follows its own convention, so yen and won come back with no decimal places even though the arithmetic underneath kept them.
Frequently asked questions
Why does the date under the result say yesterday?
The ECB only publishes on working days, at around 16:00 Central European Time, and the job here picks the rates up after that. Before 16:00, on a Saturday or Sunday, or on a TARGET closing day such as Good Friday, the last working day's rates are the newest that exist anywhere, and the line says which of those it is. If the ECB has published a day this copy is missing, a caution names that day.
Why is this different from the rate my bank gave me?
A reference rate is the midpoint of the market. A bank, a card network or a transfer service sells you currency at a worse rate than that and keeps the difference, which is how the fee line on your statement reads zero while the conversion still cost you real money. Type what your bank credited into the last box and the page works out the gap, its share of the amount and the rate you were really given.
If every ECB rate is against the euro, how does pounds to yen work?
It divides out and multiplies back in. The ECB quotes 1 EUR = 0.85483 GBP and 1 EUR = 183.72 JPY, so a pound works out at 183.72 divided by 0.85483, or 214.9199 yen. Cross-rating through the base currency is how every reference table handles a pair it doesn't quote directly.
Can I send someone a link to one specific conversion?
The amount and both currency codes are written into the URL as you type, and Share link copies it. Opening that link elsewhere reproduces the same conversion, though it will use whatever rates the site holds on the day it's opened. The figure your bank credited stays out of the link.
Which currencies are on the list?
Thirty: the euro plus the twenty-nine the ECB quotes against it. Dollar, pound, yen, yuan, rupee, Swiss franc, the Nordic and central European currencies, and a spread of Asia-Pacific and emerging-market ones including the rand, the real and the lira. If it isn't in the ECB's daily table it isn't here.
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