Convert between 30+ world currencies using mid-market exchange rates. Rates updated daily.
Rates are mid-market rates for reference only. Bank and transfer service rates will differ. Click any rate card to convert to that currency.
Exchange rates measure the value of one currency relative to another. They fluctuate constantly based on economic data, interest rate decisions by central banks, political events, trade balances and market sentiment. The rates shown in this calculator are mid-market rates — the midpoint between buy and sell rates on global currency markets.
The mid-market rate is the fairest, most transparent rate available. Banks and exchange bureaux add a markup (known as the spread) of typically 1–5% on top of this rate. On a $10,000 transfer, a 3% spread costs you $300. For large transfers, compare services like Wise, OFX or your bank to find the best actual rate offered.
The most traded currency pairs globally are EUR/USD (euro vs dollar), USD/JPY (dollar vs yen), GBP/USD (pound vs dollar), and AUD/USD (Australian dollar vs US dollar). These pairs have the tightest spreads and most liquidity. Exotic pairs (e.g. USD/THB) have wider spreads and less predictable movements.
Central bank interest rates are the biggest single driver — higher rates attract foreign capital, strengthening a currency. Economic growth, inflation, political stability, trade surpluses or deficits, and investor sentiment all play roles. For example, the US Federal Reserve raising interest rates in 2022–2023 drove the US dollar to multi-decade highs against most major currencies.