How the converter works out the rate
The European Central Bank publishes one reference rate per currency against the euro, usually around 16:00 Central European Time on each of its working days. Between two currencies other than the euro, the converter goes through the euro: it divides by the first currency's rate and multiplies by the second's.
A reference rate is not the rate a bank, card or exchange office gives you. They add a margin to the rate and sometimes a fee, so the amount you receive is usually a little lower. Enter your provider's fee as a percentage under More options to see what reaches you.
The line under the answer shows how the rate moved over the last three months of ECB working days, with its lowest and highest values.
The converter covers the euro and the 29 currencies in the ECB's daily list. Currencies outside that list, such as the UAE dirham or the Nigerian naira, and cryptocurrencies are not included.
Worked example
If one euro buys 1.12 US dollars and 0.84 British pounds, 100 dollars is 100 ÷ 1.12 × 0.84 = 75.00 pounds. A 2% fee on that leaves 73.50 pounds.
Before you rely on the result
The ECB publishes these rates for information and advises against using them for transactions. Before a large transfer, compare what your bank or transfer service quotes, fees included.
Sources checked
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ToolOctopus. “Currency converter.” Updated 2026-10-11. https://tooloctopus.com/currency-converter.
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