What is the mid-market exchange rate?

The mid-market rate is the midpoint between the buy and sell prices in the interbank currency market — it is the 'true' exchange rate before any markup is applied. Banks and payment processors add a spread on top of the mid-market rate as their profit, which is why the rate your bank offers is always less favorable than the mid-market rate shown in currency converters. The difference between the two is the hidden cost of currency conversion.

Does the converter support all world currencies?

The tool covers 32 major currencies, which includes all major world currencies and most emerging market currencies. Some very small economies, heavily restricted currencies, or currencies with no formal exchange market may not be available. If your target currency is not listed, it may not have a reliably published exchange rate available from open data sources.

Can I use this for invoice calculations in a foreign currency?

Yes — this is one of the most practical uses. Freelancers and businesses can look up the current rate, calculate invoice equivalents, and lock in the amount to bill. Be aware that exchange rates move daily, so if payment is delayed, the actual received amount in your local currency will differ from today's calculation. Consider adding a currency clause to contracts for large international invoices.

How is this different from a bank's currency calculator?

Bank calculators typically show rates that include a spread or markup over the mid-market rate — this is how banks profit from currency exchange. This converter shows the mid-market reference rate without any markup, giving you the fairest basis for comparison. When using a money transfer service, compare their offered rate against this mid-market rate to calculate the effective fee you are paying.

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FreeNo Upload

Currency Converter

Offline currency converter. Convert between 32 major currencies with a reference rate table refreshed daily — the as-of date is shown on every result.

credit_cardBIN Lookup currency_exchangeCurrency

eventRates as of 2026-09-13

Static table · not live

From

Amount

1 USD =

0.8618

EUR — Euro

1 USD = 0.861838 EUR

bar_chartMarket — 1 USD =

Quick pairs

All rates — 1 USD = ...

How to Use

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Enter amount and currencies

Input the amount, then select source and target currencies from the 32 the converter covers. The rate comes from a reference table that is refreshed daily, and its as-of date is shown above the result.

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View the conversion

The converted amount displays instantly based on current exchange rates. The rate used and last update time are shown for transparency.

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Copy the result

Click Copy to grab the converted amount. Note: displayed rates are for reference — always verify with your bank before making large transactions.

What is Currency Converter?

The currency converter covers 32 major world currencies with a reference table that is refreshed daily, giving you an accurate offline conversion for travel budgeting, international business, and freelance invoicing. Enter any amount, select source and target currencies, and get an instant result with the current exchange rate displayed. It covers major currencies like USD, EUR, GBP, JPY, and CNY as well as dozens of emerging market currencies.

Why use Currency Converter?

The table is refreshed daily and the as-of date is shown above the result, so you always know how current the numbers are. Coverage of 32 major currencies focuses on the pairs most consumer apps need, making it useful for less common international transfers. Freelancers invoicing foreign clients, travelers managing budgets, and import/export businesses benefit from having an always-updated reference without a subscription.

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devicesWorks everywhere — Any modern browser on desktop, tablet, or mobile.

How it works

Remote workers invoicing clients in foreign currencies use this tool to determine the local currency equivalent before setting invoice amounts. Travelers use it to compare prices across multiple currencies during international trips. E-commerce businesses use it to set competitive pricing in local currencies for international storefronts.

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Pro Tip

Always check the mid-market rate shown here against the rate your bank or payment processor offers — the spread between the two is the hidden conversion fee. For large transfers, a 0.5% rate difference can represent significant savings when using a specialist service instead of a retail bank.

Frequently Asked Questions

Exchange rates are updated daily from open-source currency APIs that pull from financial market data. This means the rates reflect yesterday's or today's market close rather than real-time tick data. For everyday travel and business reference purposes, daily rates are accurate enough. For forex trading or large financial transactions, use a live feed from a financial data provider.

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