Currency Converter
Convert between 31 currencies at today's ECB reference rate, with history.
Convert
Loading today's reference rates…
100 USD =
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1 USD = — · 1 EUR = —
What you would actually get
Banks, cards and exchange counters add a margin to the rate above.
At the reference rate
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After a 3.0% margin
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The margin costs you
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Airport counters and some cards charge 5% or more; specialist transfer services are often under 1%. Ask for the rate you will get and compare it with this one — the difference is the real fee, whatever the advertised commission says.
USD to EUR over time
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Rates are the European Central Bank’s daily reference rates, published around 16:00 CET on working days and fetched from your browser via the free Frankfurter service. They are for information, not for trading, and weekend or holiday rates are the last working day’s.
Private by design. This tool runs entirely in your browser. Your input is processed on your own device and is not uploaded by DO101.
About the Currency Converter
Convert between 31 currencies at the European Central Bank's daily reference rate, including the US dollar, euro, pound, yen, Indian rupee and Nepalese rupee. See the rate both ways, a chart of the pair over one month, three months or a year, and what you would actually receive once a bank or card adds its margin — the part other converters leave out. Rates come straight from the ECB via the free Frankfurter service, fetched by your browser, with no account and no sign-up.
How to use it
- 1Enter an amount and pick the currencies to convert from and to, or tap a popular pair.
- 2Read the converted amount and the rate in both directions.
- 3Move the margin slider to see what a bank or card would actually give you.
- 4Check the chart to see how the pair has moved over a month, three months or a year.
What you get
- 31 currencies at the ECB's daily reference rate
- Nepalese rupee included, derived from its official peg to the Indian rupee
- Rate both ways, and the amount in six other major currencies
- What a bank, card or exchange margin really costs you
- One-month, three-month and one-year history chart
- Popular pairs one tap away
- No account — rates are fetched directly by your browser
Frequently asked questions
Where do these exchange rates come from?
The European Central Bank, which publishes an official reference rate for 30 currencies at around 16:00 CET every working day. The converter fetches them straight from your browser through the free Frankfurter service. At weekends and on holidays the last working day's rate is shown, with its date.
Why is my bank's rate different?
Because the reference rate is the mid-market rate, and every bank, card and exchange counter adds a margin on top. That margin is the real cost of the exchange, often 2–5% and sometimes more at airports. The slider shows what a given margin leaves you with.
How is the Nepalese rupee converted?
The ECB does not publish a rate for the Nepalese rupee, but Nepal Rastra Bank pegs it to the Indian rupee at 1 INR = 1.60 NPR. The converter uses the ECB's Indian rupee rate and applies that peg, and says so whenever NPR is selected.
Are these live rates?
They are daily reference rates, updated once each working day — accurate and official, but not tick-by-tick. For trading, use your broker's live quote.
How are rates between two non-euro currencies worked out?
Through the euro, the way the ECB publishes them. USD to INR, for example, is the euro's INR rate divided by the euro's USD rate. That is the standard way cross rates are built from reference rates.
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