Foreign Exchange Calculator
Convert between major world currencies at an indicative mid-market rate, and see how much a typical bank or transfer provider margin could cost you on top.
Conversion Details
Enter an amount and choose currencies
Conversion Estimate
Mid-market conversion and margin impact
Indicative Currency Rates
Approximate mid-market rates against 1 US Dollar, for reference only. Rates move constantly — use the calculator above for a live comparison against your own figures.
| Currency | Code | Per 1 USD |
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Foreign Exchange FAQ
Answers to the most frequently asked questions about currency conversion and exchange rates.
The mid-market rate is the midpoint between the buy and sell prices of two currencies on the global currency markets. It’s the rate you see quoted on financial news sites and is generally the best rate available, before any margin or fee is added by a bank, card provider or currency broker.
Most banks, card providers and airport bureaux de change build a margin into the exchange rate they offer, rather than charging a separate fee. This margin is typically anywhere from under 1% with specialist providers to 5% or more with some banks and airport kiosks, and it’s how they cover costs and make a profit on the conversion.
Major currency pairs trade continuously on global markets and rates can move every few seconds during trading hours. Day-to-day moves of a few tenths of a percent are common, while unusual economic or political news can move rates by several percent within a single day.
Compare the rate you’re offered against the current mid-market rate to see the real margin being charged, rather than looking at any advertised ‘zero fee’ headline alone. Specialist currency transfer services and some fee-free travel cards generally offer margins much closer to the mid-market rate than high-street banks or airport bureaux de change.