Currency Converter

Live Data Tool

Convert currencies and crypto with fresh reference rates, clear timestamps, and shareable results.

Updated May 2026 · How this works

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Crypto prices move continuously and may differ across exchanges. Use this for estimation, not trading execution.

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How it works

This converter fetches daily reference rates from the European Central Bank via the Frankfurter API, and market prices for Bitcoin and Ethereum from CoinGecko. Rates are cached in your browser for up to one hour. The label at the top of the result tells you exactly how fresh the data is.

To convert between two non-USD currencies, the calculator normalises both rates against a common base, then calculates the cross-rate. For example, to convert GBP to JPY, it converts GBP to USD and then USD to JPY using the same rate table.

How accurate are these exchange rates?

The fiat rates shown are daily reference rates from the European Central Bank, updated once per business day. They represent the mid-market rate — the midpoint between buy and sell prices. Banks, card providers, and transfer services apply their own spread on top of this, so the rate you receive may differ.

Why is this rate different from my bank or Wise?

Banks and transfer services add a margin or spread to the mid-market rate. This markup can vary significantly by provider. The rate shown here is the raw reference rate with no markup applied — use it as a baseline for comparison, not as a guaranteed transaction rate.

The math

Currency conversion is a single multiplication: Result = Amount × (Target Rate ÷ Source Rate). All rates are expressed relative to 1 USD as a common base. The inverse rate shown below the main result is the reciprocal: if 1 USD = 159 JPY, then 1 JPY = 1/159 USD.

How often do exchange rates update?

Fiat currency rates update once per business day from the European Central Bank. Rates do not change on weekends or public holidays — the most recent business day rate is used. Bitcoin and Ethereum prices are fetched from CoinGecko and cached for up to one hour.

Are Bitcoin and Ethereum prices live?

Crypto prices are fetched from CoinGecko, which aggregates data across major exchanges. They are cached for up to one hour. Crypto markets run 24/7 and prices move constantly — treat these as indicative prices. For trading, always check your exchange directly.

Why provider rates differ

The rate shown here is the mid-market reference rate — the midpoint between the price at which banks buy and sell currency. No provider gives you this exact rate in practice.

Banks, cards, and exchange counters include a spread or markup so the rate you receive will be less favourable than the reference rate shown here. The size of this markup varies by provider, transaction type, and currency pair. Comparing providers against the mid-market rate is the most reliable way to find the best deal.

Can I use this for business invoices?

Yes, for planning and estimation. The mid-market rate is the standard reference rate used in financial reporting and is a reliable baseline for budgeting. For actual payments, confirm the rate with your provider at the time of transaction.