Currency Converter
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Multiply by the rate you enter — useful when your bank or app shows a specific rate.
Amount & rate
Converted
108
Rate: 1.08
- Original
- 100
Related calculators
Manual exchange rate
Currency conversion multiplies your amount by an exchange rate. If 1 USD = 1.08 EUR, then $100 becomes €108. This tool does not fetch live rates — enter the rate from your bank, card issuer, or exchange booth.
Retail rates include a spread over the interbank rate. Credit cards and ATMs often beat airport kiosks but may add foreign transaction fees. Always check whether the rate is "buy" or "sell" for your direction.
Example: converting $250 at a rate of 0.92 (USD to GBP) gives £230. If your bank quotes EUR per USD instead, multiply; if they quote USD per EUR, divide.
The direction of a quote is the most common source of error. A rate can be written as USD per EUR or EUR per USD, and the two are reciprocals: 0.92 and 1.087 describe the same market. If a conversion comes out roughly the square of what you expected, you multiplied where you should have divided.
The spread is the real cost, and it is usually larger than the advertised fee. Mid-market rate is the midpoint between what buyers and sellers will accept; retail providers quote you a few percent to one side of it. Airport kiosks commonly sit 7 to 12% off mid-market, bank branches 2 to 4%, and card networks under 1% before any card fee.
Watch for dynamic currency conversion at the terminal. When a foreign card reader offers to charge you in your home currency, it is applying its own rate, typically 3 to 6% worse than your card issuer would. Choosing the local currency and letting your bank convert is almost always cheaper.
Fees and rates stack in a specific order. A card with a 3% foreign transaction fee applied to a near-mid-market rate can still beat a “no fee” bureau quoting 8% off mid-market, so compare the total you actually receive rather than the headline fee. ATM withdrawals may add both an operator fee and your own bank's charge.
This tool takes a rate you type in rather than fetching live forex, which is deliberate: the number that matters is the one on your statement, not a mid-market quote from the moment you looked. Take the rate from your card issuer's posted transaction or the bureau's board and enter that.
Card networks and banks often apply their own spread on top of mid-market rates — compare this estimate to your issuer foreign-exchange fee schedule before budgeting a trip.
Common questions
Why doesn't this use live forex rates?
Live rates change by the minute and differ by provider. Enter the rate you will actually receive so the estimate matches your transaction.
Should I convert before or after fees?
Banks often deduct fees before conversion. If your statement shows a net amount, use that rate rather than the mid-market quote online.
Why do airport kiosks differ from this rate?
Retail exchange booths embed spread and fees in the rate. Mid-market rates (like here) exclude markup — what you receive at a bank or card network still depends on their fee schedule.