Cards first.
Check your card’s foreign-transaction fee and the currency on the payment terminal before confirming.
What does that costin your money?
Live mid-market rates for 150+ currencies, a 30-day trend so you know if today is a good day, and a result you can copy straight into the group chat.
$100.00 equals—
Fetching the mid-market rate…
Not enough historical observations to plot this pair yet.
HIGH—
LOW—
AVG—
NOW—
How to get the best rate
Where the marginhides.
The number above is the mid-market rate. Nobody sells you currency at exactly that price — but everything you’re offered can be measured against it.
0%3%6%9%12%
Mid-market rate
The fair reference. What this converter shows.
0%Reference
No-fee card or local bank ATM
Charged in local currency; check issuer and withdrawal fees.
1–3%Compare
Airport counters & hotel desks
Check the provider’s fees.
5–12%Check fees
“Pay in your home currency?”
Dynamic currency conversion — the merchant’s markup, not your bank’s.
VariesRead quote
Compare what you’ll receive after all fees, not just the advertised exchange rate.
ATMs over counters.
Compare the bank’s withdrawal fee and conversion offer. The convenient option is not always the cheapest.
Carry a little cash.
Markets, taxis and tips in many countries are still cash-first — check the tip calculator for where.
Illustrative ranges, not a quote. Rates move; compare all fees. Past movement does not predict the next rate.
Questions travelers ask
Goodquestions.
Which exchange rate does this converter use?
The mid-market rate — the midpoint between buy and sell prices on the global market, refreshed through the day. It is the fairest reference rate; banks, cards and exchange counters add a margin on top of it.
Why is the rate I got at the airport worse?
Exchange counters can add a margin and fees to the mid-market rate. Compare the final amount you receive with a card or local bank ATM, including any issuer and withdrawal fees. The ranges in this guide are illustrative, not a quote.
Should I pay in local currency or my home currency abroad?
Check both quotes before confirming. A home-currency offer at a payment terminal is dynamic currency conversion: the provider sets that conversion rate. Compare it with your card issuer’s rate and foreign-transaction fees.
How do I see the 30-day trend?
Pick two different currencies. When historical observations are available, the result card shows the high, low, average and change versus the average over the last 30 days. Past movement does not predict the next rate.
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