Currency converter
Mid-market conversion from a public daily rate table. If the feed can't be reached, dated built-in rates are used and labelled as such.
Defaults to your region. Switch to compare any other scale.
Public mid-market rates. Banks, cards and exchange offices usually add 1–5%.
Result
87.75 EUR
You receive (mid-market)
- Cross rate1 USD = 0.8775 EUR
- You receive after bank margin87.75 EUR
- RatesBuilt-in snapshot of September 27, 2026 (live feed unavailable), approximate
About this tool
The converter turns an amount into another currency using mid-market rates from ExchangeRate-API's free public feed (open.er-api.com), a single US-dollar-based table refreshed once a day. The date of the table used is shown under the result.
These are not the European Central Bank's euro reference rates, and not the rate your bank or card will apply: providers usually add a margin of 1–5%. Enter that percentage to estimate what you would actually receive.
If the feed cannot be reached, the converter falls back to dated built-in rates and says so under the result.
Formula
Amount in To = amount ÷ rate(From) × rate(To) (rates per 1 USD)After bank margin ≈ mid-market amount × (1 − margin ÷ 100)
How it is calculated
- Enter the amount and choose the currency you have (From) and the one you want (To).
- The tool converts through the US dollar using the latest daily rate table; the date is shown under the result.
- The result is a mid-market figure. Enter your bank's or card's margin to estimate what you would actually receive.
Questions
Are these the official ECB exchange rates?
No. The live rates come from ExchangeRate-API's free open-access feed (open.er-api.com): one table of rates against the US dollar, updated once a day. They are not the euro foreign exchange reference rates published by the European Central Bank, and they are not the rate your bank or card will charge. If the feed can't be reached, the converter uses a built-in snapshot and says so under the result.
How often are the rates updated?
The feed publishes a new table once a day, and the “Rates” line under the result shows the date of the table in use. Currency markets move all day, so treat the figure as an indicative mid-market rate, not a live trading price.
Why does my bank give me a different amount?
Banks, card networks and exchange offices add a margin or a fee on top of the mid-market rate, often 1–5%. Enter that percentage in “Bank margin %” to see roughly how much you would receive.
How is a cross rate such as EUR → JPY calculated?
Every rate in the table is quoted against the US dollar. To convert euros to yen, the tool divides the amount by the USD→EUR rate and multiplies it by the USD→JPY rate: amount ÷ rate(EUR) × rate(JPY).
Are the results official advice?
No. Calculate This is an educational tool. Before a financial or tax decision, check the figures with your bank, the tax authority or a qualified adviser.