Convert between 165 world currencies using live daily exchange rates - not just the handful of major ones most free converters offer. If the live feed can't be reached, this falls back to a smaller set of recent approximate rates, clearly labeled as such.
Currency Converter
LoadingThe formula
Both rates are looked up relative to a common base (US Dollar) behind the scenes, so any of the 165 currencies can convert directly to any other, not just to-and-from USD.
Converting 100 USD to EUR, at a rate of roughly 0.92 EUR per USD: 100 x 0.92 = approximately 92 EUR. The exact figure updates daily with live rates, and works identically for any of the other 163 currencies too - say, Saudi Riyals to Japanese Yen, or Mexican Pesos to Thai Baht.
How exchange rates actually work
A currency's exchange rate reflects how much of it the market is willing to trade for another currency, at this moment. It moves constantly based on factors like a country's interest rates, inflation, trade balance, political stability, and simple supply and demand from traders, businesses, and travelers. Central banks (like the ones this converter sources data from) don't set these rates by decree for most major currencies - they publish reference rates that reflect where the market has settled, usually once per business day.
That's an important distinction: the rate shown here is a reference or mid-market rate - roughly the midpoint between what buyers and sellers are trading at. It's the number financial news and comparison tools use. It is not the rate you'll be offered at a bank, airport kiosk, or currency exchange counter, which almost always add a margin on top.
Understanding currency codes
Every currency here uses its official three-letter ISO 4217 code - the first two letters usually indicate the country (US, GB, JP), and the third often hints at the currency name (D for Dollar, P for Pound, Y for Yen). A few exceptions exist, like EUR for the Euro (shared across many countries) and precious metals like XAU (gold) and XAG (silver), which are included here because they're commonly quoted and traded the same way currencies are.
Step-by-step guide
- Enter the amount you want to convert.
- Choose the "from" and "to" currencies from the full list - start typing a currency code or country name in the dropdown to jump to it quickly.
- Read the converted amount, the exact exchange rate, and the date it's from.
- Use the swap button to quickly flip the two currencies.
Practical tips
Frequently asked questions
How many currencies does this really cover?
165 actively traded currencies when the live feed is available, sourced from dozens of central banks worldwide - not just the handful of major currencies most free tools offer. If the live feed is ever unreachable, the tool falls back to a smaller set of about 20 major currencies, clearly labeled "Approx." instead of "Live."
How often do the rates update?
Once per business day for most currencies, though the exact update time varies by currency and data source - some less-traded currencies may show a slightly older date than major ones like EUR or GBP.
Why does my bank or exchange service offer a different rate?
Banks and money transfer services add a margin on top of the reference mid-market rate shown here, which is standard industry practice and how they cover costs and generate revenue on currency exchange.
What are XAU and XAG doing in a currency list?
Gold (XAU) and silver (XAG) are included because they're quoted and traded internationally the same way currencies are, with an official ISO code, even though they're precious metals rather than a country's official currency.
Is this suitable for a business or large personal transfer?
Use it for planning and estimates, but confirm the exact rate and any fees directly with your bank or transfer provider before completing a significant transaction - this tool isn't a trading or payments platform.
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