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    FX / Reference rates

    Currency Converter

    Convert an amount between the dollar, euro, pound, yen and franc using the ECB daily reference rates. The rate is a fixing, not a quote: it carries no spread, so the calculator lets you add the fee your bank or card would charge.

    Converted892.46 EURReference rate1 USD = 0.8925 EURInverse1 EUR = 1.1205 USD
    Converted
    892.46 EUR
    After a 0.0% fee
    Reference rate
    1 USD = 0.8925 EUR
    ECB fixing
    Inverse
    1 EUR = 1.1205 USD
    Before fees
    Fee cost
    0.00 EUR
    What the spread takes
    1 USD in other currencies
    ECB reference rates, 2026-10-22.
    1 USD in other currencies
    CurrencyRateAmount
    GBP0.7476747.61
    JPY157.04601.570e+5
    CHF0.8220822.04

    The JPY quote is per euro, not per dollar; the cross-rate handles that.

    Inspect the model
    Choose a quick result view, a scaled comparison, or the complete diagnostic set.
    Converted amount against the fee
    A one-percent fee is one percent of the converted value, not of the rate.
    Converted amount against the fee0.000199.91399.82599.73799.64999.56000.50.5111.51.5223355EUR
    Canonical equations
    The exact relationships implemented by this engine.

    rate(USD→EUR) = X(EUR) / X(USD) · Both quoted per euro.

    amount_to = amount_from × rate × (1 − fee) · The fee is deducted after conversion.

    finance methodology

    A clear path from inputs to results.

    Convert an amount between the dollar, euro, pound, yen and franc using the ECB daily reference rates. The rate is a fixing, not a quote: it carries no spread, so the calculator lets you add the fee your bank or card would charge.

    Step-by-step methodWorked exampleAssumptions explained

    How to use

    1. Set amount.
    2. Set from.
    3. Set to.
    4. Set bank or card fee (%).
    5. Read the headline metrics, then check the table for the detail.

    The formula

    Ato=Afrom×XtoXfrom×(1−f)A_{to} = A_{from} \times \frac{X_{to}}{X_{from}} \times (1 - f)

    Reference: European Central Bank euro foreign exchange reference rates (daily fixing, 16:00 CET).

    Worked example

    At the default inputs

    Inputs
    • Amount: 1000; From: USD; To: EUR; Bank or card fee (%): 0
    Calculation path
    1. 1

      Read the fixing → 1.1205 Cross to the target → 0.8925 Apply the fee → 892.46

    Result

    Converted: 892.46 EUR · Reference rate: 1 USD = 0.8925 EUR · Inverse: 1 EUR = 1.1205 USD

    Interpreting the result

    $1,000 USD converts to 892.46 EUR at the 2026-10-22 ECB fixing.

    Assumptions & limitations

    • The ECB fixing is a reference rate, not a tradable quote.
    • The fee is a percentage of the converted amount.
    • Only the five currencies in the snapshot are offered.

    Frequently asked questions

    Why is my bank rate different?

    The ECB fixing carries no spread; a bank adds a margin and may use a different timestamp.

    Can I convert at a future date?

    No. The snapshot is a single fixing; a forward rate is a different calculation.

    Methodology last reviewed 2026-10-23. Results are informational and not financial or engineering advice — see our disclaimer.