Convert currencies with automatically refreshed daily reference rates. The result includes the rate date and source, an optional bank or transfer-service cost estimate, and a lightweight historical view so you can judge the current rate in context.

Currency Converter

Daily rates

Amount

From

Loading the latest available reference rate...

Converted amount

Choose a valid amount and currency pair.

Reference date-

Rate sourceFrankfurter v2

Data stateLoading

Estimate the provider's real cost

Banks, cards and transfer services may add a percentage markup to the reference rate and charge a fixed fee. Enter the quote you were given to estimate what the recipient may receive.

Rate markup (%)

Fixed fee in destination currency

Add a markup or fee to compare the estimated provider result with the reference-rate result.

Exchange-rate trend

High-

Low-

Average-

Period change-

Historical data loads after the latest rate.

Reference rates are for information and comparison, not a transaction quote.

What this converter shows

The main result uses the latest daily reference rate available from the Frankfurter v2 API. Frankfurter combines exchange-rate data from central banks and other official providers. It is not a streaming trading quote, and it does not include the spread, card foreign-transaction fee, transfer fee, or cash-exchange markup a provider may charge.

Use the optional cost fields when you have a provider's markup or fixed fee. For a purchase in another currency, compare the result with the VAT Calculator or Sales Tax Calculator when tax is part of the final price.

The formulas

Reference conversion = Amount × Reference rate

Estimated provider rate = Reference rate × (1 − Markup %)

Estimated recipient amount = Amount × Provider rate − Fixed fee

The fixed fee is entered in the destination currency. A provider may calculate fees differently, so this is a comparison estimate rather than a transaction promise.

How to use the result

Enter the amount and choose the source and destination currencies.
Check the reference date and data state. A live daily rate is preferred. If the network fails after a successful earlier visit, the page may show a clearly dated cached rate.
Open the provider-cost estimate if your bank, card or transfer service adds a percentage markup or fixed fee.
Review the trend to see the period high, low, average and change. Historical movement does not predict the next rate.

Worked example

Hypothetical example

Suppose 1 unit of the source currency equals 0.80 units of the destination currency. Converting 1,000 produces a reference result of 800. If a provider applies a 2% rate markup and a fixed fee of 5 destination-currency units, the estimate becomes 1,000 × (0.80 × 0.98) − 5 = 779. The difference from the reference result is 21.

Reference rate versus the rate you receive

Rate type	What it represents	Good for
Reference rate	A published comparison value from market or central-bank data	Planning and comparing quotes
Card network rate	The network's conversion rate before or alongside issuer fees	Estimating card purchases
Provider/customer rate	The rate after the provider's spread or markup	The real quote to compare
Cash exchange rate	A retail buy/sell rate that may include a wider spread	Physical cash exchange

Common mistakes

Treating a daily reference rate as a guaranteed bank, card or cash-counter quote. Ask how much the recipient will receive after every fee.

Ignoring the rate date. Weekends, holidays and provider publication schedules can mean the latest available observation is not today's calendar date.

Assuming the historical chart predicts the future. It describes the selected past period only.

Privacy and offline behavior

Your entered amount and fee assumptions are calculated in your browser and are not sent to Numeros. The page requests public currency and rate data from api.frankfurter.dev. It stores only the last successfully received public currency catalog and pair rates in your browser so a clearly dated cached conversion may remain available if the feed later fails; it does not store the amount you enter.

Frequently asked questions

Are these real-time trading rates?

No. They are automatically refreshed daily reference rates. A trading platform or payment provider may update more frequently and include bid, ask or customer-specific pricing.

Why is my bank's result different?

A bank or transfer provider can add a rate spread, percentage fee and fixed fee. Enter the known markup and destination-currency fee in the optional cost section to estimate the difference.

Why can the rate date be earlier than today?

Reference providers publish on their own business-day schedules. Weekends, holidays and source timing can make the latest available observation earlier than the current calendar date.

Does the converter work without a connection?

After a successful visit, a previously received pair rate may be available from browser storage. The page labels it as cached and shows its original date. It never invents a new rate when the feed is unavailable.

Can I use this for accounting or a legal filing?

Use the conversion for general planning and comparison. Accounting, tax, customs and legal workflows may require a specific authority, provider, date, time or published rate. Follow the rule for that exact workflow.

Sources

Frankfurter v2 API documentation — endpoints, providers, currencies, historical data and rate semantics.
European Central Bank reference rates — publication schedule and the information-only purpose of ECB reference rates.

Related calculators

Continue with the full Converters collection, or use these related tools:

Inflation Calculator — compare purchasing power across years.
VAT Calculator — add or remove value-added tax.
Sales Tax Calculator — estimate tax-inclusive and pre-tax prices.
Trip Cost Calculator — plan transport, accommodation, food and activity costs.
Tip Calculator — calculate gratuity and totals while travelling.
Budget Calculator — place converted expenses into a complete budget.