Currency calculator

Data: 16 Oct 2026

The currency calculator quickly compares exchange rates and conversion costs for a given amount. Use it when planning transfers, travel, or online purchases – small differences in the rate can mean a noticeable cost. The result is informational. Numbers use European format (e.g. 1.000 for one thousand, 0,50 for zero point five).

Amount *

From currency

To currency

Spread / markup (% of ECB) ?

Fixed fee (€) ?

ECB rate: loading…

Manual rate (fallback)

Use this if the ECB rate isn't available or you want to enter your bank's rate.

Why this calculator

Why use the currency calculator?

Quick conversion

Instantly see how much you get when exchanging currency, without working it out by hand or visiting a bank.

See the real cost of exchange

Compare the ECB reference rate with a bank's or exchange office's offer, including the spread and commission.

Choose the better option

Once you know the total cost, it is easier to choose where to exchange money or whether to pay by card.

How it is calculated

How much do you really get when you exchange currency?

The basis is the ECB reference rate, published by the European Central Bank every working day. Banks and exchange offices exchange currency at a worse rate: they add a spread, and some also charge a fixed commission. The calculator first converts the amount at the ECB rate, then deducts the spread as a percentage and finally the commission.

Example: exchanging €1,000 into US dollars at a rate of 1.10 (for illustration)

Option	You get	Cost
ECB rate, no costs	USD 1,100.00	€0
2% spread	USD 1,078.00	€20
2% spread and €5 commission	USD 1,072.50	€25

On larger amounts the difference adds up quickly. Spreads vary a lot between banks, exchange offices and payment cards, so before a larger exchange enter the spread and commission from your bank's price list and compare where you get the most.

Frequently asked questions

Frequently asked questions about the currency calculator 5

Where do the exchange rates come from?

The calculator uses the official reference rates of the European Central Bank (ECB), published every working day.

Does the rate include the bank's or exchange office's costs?

Not by default. The ECB rate is a reference (interbank) rate without a mark-up. For a more realistic estimate you can enter the extra spread and commission your bank or exchange office charges.

How often are the rates updated?

Once a day on working days, after the ECB publishes them. At weekends and on holidays the last published rate stays in use.

What does "Approximate value (no ECB data)" mean?

It appears when no fresh ECB figure is currently available for the selected currency. In that case the calculator uses a static approximate value until the data is refreshed.

Can I enter my own rate?

Yes. If you know the exact rate your bank or exchange office offers, you can enter it and compare how much you would actually receive with the ECB reference rate.

Currency exchange comparison result

You receive –

Effective rate used –

Rate source / date –

Cost (spread + fee) –