Currency Converter
ECB reference rates · 31 currencies
🇺🇸
USD
US Dollar
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🇪🇺
EUR
Euro
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ECB reference rates via Frankfurter.app. For reference only.
Select currencies and enter an amount to convert.
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ECB Reference Rates Explained
The European Central Bank publishes official reference exchange rates every business day at approximately 16:00 CET. These rates are the gold standard for financial reporting, taxation, and international business. This converter fetches them automatically via Frankfurter.app, a free ECB data mirror.
The rates shown are mid-market rates - the midpoint between buy and sell prices. When you exchange money at a bank or bureau de change, they add a spread on top of this rate, typically 0.5% to 3% for major currencies, up to 8% or more at airports. Online services like Wise or Revolut typically offer rates much closer to the ECB reference rate.
The table below shows current approximate rates from USD. Click Convert above to get live rates after the page fetches from ECB.
| Currency | Code | Rate vs USD (approx) |
|---|---|---|
| 🇪🇺 Euro | EUR | loading... |
| 🇬🇧 British Pound | GBP | loading... |
| 🇯🇵 Japanese Yen | JPY | loading... |
| 🇨🇭 Swiss Franc | CHF | loading... |
| 🇨🇦 Canadian Dollar | CAD | loading... |
| 🇦🇺 Australian Dollar | AUD | loading... |
| 🇨🇳 Chinese Yuan | CNY | loading... |
| 🇮🇳 Indian Rupee | INR | loading... |
Major Currency Pairs Explained
EUR/USD
The most traded currency pair in the world. The euro vs the US dollar accounts for roughly 24% of all daily forex volume. Highly liquid with tight spreads.
GBP/USD
The British pound vs the US dollar, known as "Cable." One of the oldest currency pairs, influenced heavily by Bank of England policy and UK economic data.
USD/JPY
The US dollar vs the Japanese yen. Often used as a safe-haven trade. Japan's Bank of Japan interventions and interest rate policy drive major moves in this pair.
USD/CAD
The US dollar vs the Canadian dollar, often called the "Loonie." Closely correlated with oil prices since Canada is a major crude exporter to the United States.
Exchange rates fluctuate constantly during trading hours based on interest rate differentials, inflation data, trade balances, political events, and market sentiment. The ECB rates used here are published once per business day and represent the official reference rates used by banks and financial institutions across Europe.
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Currency Questions
Where do these exchange rates come from?+
Rates are fetched live from Frankfurter.app, which republishes daily reference rates from the European Central Bank (ECB). The ECB publishes official rates every business day around 16:00 CET. If the API is unavailable, the last successfully fetched rates from your browser cache are shown with the date clearly indicated.
How current are the rates?+
Rates are the ECB reference rates, published once per business day. They do not change during the day. If today's rates are not yet published (before 16:00 CET), yesterday's rates are shown. The date in the badge always reflects the actual rate date, never older data without clear labeling.
What happens if the API is down?+
The converter uses a two-level cache: first it checks your browser's sessionStorage (last 60 minutes), then localStorage (last successful fetch, no time limit). If both are available, the most recent is used and the date is shown. Only if no cached data exists does it fall back to built-in static rates from May 2026.
What is a mid-market exchange rate?+
The mid-market rate is the midpoint between buy and sell prices used by banks. It is the fairest reference rate - what you see on Google or XE.com. Banks and exchange bureaus add a spread of 0.5 to 8% on top. Services like Wise offer rates very close to mid-market. Airport exchanges typically have the worst rates.
Why only 31 currencies?+
This converter shows the 31 currencies officially tracked by the European Central Bank. These are the world's most actively traded currencies with reliable, independently verified daily rates. Exotic currencies such as the Nigerian Naira, Iranian Rial, or Argentine Peso have highly variable rates or restricted convertibility, making them unsuitable for a reference converter.
What currencies are pegged to the USD?+
Several currencies maintain fixed pegs to the USD: Saudi Riyal (SAR) at 3.75 since 1986, UAE Dirham (AED) at 3.6725, Qatari Riyal (QAR) at 3.64, Bahraini Dinar (BHD) at 0.376, and Hong Kong Dollar (HKD) in a band of 7.75 to 7.85. HKD is the only ECB-tracked pegged currency in this converter.
What is the strongest currency in the world?+
In terms of highest numerical value against USD, the Kuwaiti Dinar (KWD) is strongest at approximately 3.26 USD per dinar, but it is not tracked by ECB. Among ECB currencies, the British Pound (GBP) has the highest value vs USD at approximately 1.33 USD per pound in 2026.
Why does USD/JPY trade at such a large number?+
The yen's high numerical value reflects Japan's post-WWII monetary history. After 1945 the yen was fixed at 360 per dollar. Even after floating in 1973, decades of ultra-low interest rates maintained relative weakness. Japan has never redenominated. A high number does not imply economic weakness - Japan is the world's third-largest economy.
How do I copy a converted amount?+
Click the main result value at the top of the results panel to copy it. You can also click any of the eight amounts in the conversion table (1, 5, 10, 50, 100, 500, 1,000, 5,000 of the source currency) to copy that specific value. The page auto-converts as you type.
What is purchasing power parity?+
PPP is an economic theory that exchange rates should equalize the price of identical goods across countries. The Big Mac Index (The Economist) illustrates this: if a Big Mac costs $6 in the US but $3 equivalent in India, the rupee is undervalued at market rates. Market rates diverge significantly from PPP, especially for developing economies. The World Bank uses PPP-adjusted GDP to compare economies on an equal footing.