We show indicative mid-market exchange rates and tools to help you compare them. We do not exchange money, hold client funds, or quote final retail prices. Our job is simpler: show the benchmark rate clearly, explain what it means, and help you see the gap between the market rate and the rate a provider offers you.
What rate you see here
The main rate on our site is the mid-market rate. This is the midpoint between wholesale buy and sell prices in the foreign-exchange market.
It is a useful benchmark because it strips out the spread that banks, cards, and money-transfer services usually add. In real life, most people do not receive the raw mid-market rate. Providers typically add a spread, a fee, or both. That is why your bank, card, ATM, or transfer app may show a different number.
Where our data comes from
Our primary source for live and historical exchange-rate data is TwelveData.
We also use European Central Bank reference rates as an additional reference source.
For market context, including which currencies and pairs are most traded globally, we use Bank for International Settlements survey data.
If a direct rate is temporarily unavailable, we may calculate a cross-rate through a major currency such as USD or EUR. When that happens, we label it as a derived rate.
How often the data updates
During market hours, our primary rates can update as often as every 60 seconds.
When the market is closed - usually over most of the weekend - the rate you see may be the last available close. That is normal. A weekend rate is a reference point, not a guaranteed deal.
How to use this site
Use ExchangeRates.com as a benchmark.
- Check the mid-market rate.
- Compare it with the rate and fees your bank, card, or transfer provider is actually offering.
- If you are comparing providers, focus on the final amount received after all fees and markups, not just the advertised fee.
What this site is not
ExchangeRates.com is not a bank, broker, remittance company, or financial adviser.
The rates on this site are for information and comparison only. If you are making a payment, transfer, accounting entry, or tax filing, confirm the exact source and method your provider, accountant, auditor, or local authority requires.
Our transparency standard
We aim to make five things clear on every important page:
- What kind of rate you are seeing
- Where it comes from
- When it was last updated
- Whether it is direct or derived
- What it does not include - especially provider spreads and fees
If we compare providers, we explain the assumptions, timestamps, and any commercial relationships behind those comparisons.
How we make money
ExchangeRates.com may make money from advertising, partnerships, or referrals. That does not change the benchmark rates we publish. If a provider appears in a comparison because of a commercial relationship, we say so clearly.
Corrections and contact
If you think a rate, chart, or explanation is wrong, tell us. We would rather fix a mistake quickly than hide behind vague language.