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Currency Converter with ECB Exchange Rates

Convert the euro and 29 other currencies at European Central Bank reference rates, dated and updated each working day, with cross rates and a 90-day chart.

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Paying for a hotel room in dollars, checking what an airport exchange counter offers, pricing an invoice settled in Swiss francs: each time, you need a benchmark before your card comes out. This currency converter takes it from the European Central Bank, which publishes the euro's reference rates every working day, and it always shows their date. Type the amount the way you usually write it, pick the two currencies, and the result comes with the exchange rate in both directions. That benchmark is not the price you'll pay: your bank, your card or the exchange counter converts at its own rate and applies its own fees. The gap between the two amounts shows what the exchange actually costs you.

How to use it

  1. Type the sum into “Amount” the way you usually write it: 250, 1,234.56 or even the European-style 1.234,56 are all read correctly.
  2. Choose the currency you're converting from in “From” and the one you want in “To”: the eight most requested open the list under “Common currencies”, and the other twenty-two follow by name under “Other currencies”.
  3. To convert the other way, click the arrow button labeled “Swap” between the two lists; picking on one side the currency already chosen on the other swaps the pair too.
  4. Read the result, the two exchange rates just below it and, at the foot of the result panel, the date of the ECB reference rates; a boxed notice warns you when those rates are behind.
  5. Look over “Quick conversions” for 1 to 5,000 units of the starting currency, then the 90-day chart, which marks the period's low, high and change.
  6. Click “⧉ Copy” to keep the result together with its date, or “Copy link” to send someone the same conversion.

Where the rates come from and how the tool uses them

The rates come from two public files published by the European Central Bank: the day's rates and the history of the last 90 days. Your browser doesn't download them; the site's server does, keeps whichever date is more recent, caches what it read for an hour, reads the ECB again as soon as a new publication is due, and sends everyone the same answer. If neither file can be read, nothing is made up: the tool shows “ECB rates are unavailable right now.”, converts nothing and offers “Try again”; if you were offline, it asks again as soon as the connection comes back.

The ECB states each rate as units of a currency per euro. Between the euro and another currency, the tool multiplies or divides by that figure; between two other currencies it goes through the euro, since the ECB publishes no cross rates: Swiss francs per euro divided by pounds per euro gives francs per pound. Rates are shown with up to six significant digits, five below 1 and two decimals from 1,000 up, and amounts with the currency's own decimals: none for the yen, the won or the Icelandic króna, and at least two significant digits below one unit, so 1 Indonesian rupiah reads €0.000049 instead of €0.00.

The tool also knows the ECB's calendar: Monday to Friday, except TARGET closing days, TARGET being the Eurosystem's payment system. It assumes the day's rates are out by 16:30 Frankfurt time and counts the publications missing since the date of the rates it received: one is the normal delay of the cache, two trigger the notice “These rates are behind”. On Monday, September 14, 2026 at 17:00 in Frankfurt, rates for September 11 therefore pass without a warning, while rates for September 10 get one. The 90-day chart, finally, plots one point per publication and always ends on the rate used for your conversion.

When a reference rate is worth checking

  • Planning a trip abroad: estimate the local budget in your own currency and, with “Quick conversions”, remember what 20 or 50 units of the local money are worth, or 1,000 and 5,000 yen in Japan.
  • Ordering from a shop that lists its prices in euros or pounds: know roughly what the purchase will cost before your card converts it at its own rate.
  • Sizing up an invoice or a salary in a foreign currency, such as an assignment paid in Swiss francs or a job paid in pounds: a dated order of magnitude, before you check the rate your bank will actually use.
  • Judging an exchange counter's offer at the airport or downtown: convert the sum at the reference rate, compare with what the counter hands you, and you can see what its margin and fees cost.
  • Watching a currency pair before a large transfer, for tuition abroad or a rental deposit: the 90-day chart places the latest rate between the period's low and high.
  • Sharing a calculation: the copied link reopens the same amount and currencies for a travel companion or a colleague, and “⧉ Copy” lets you paste the dated result into an expense report or a message.

Conversions worked out at the ECB rates for September 11, 2026

Every result below comes from the tool's own functions applied to the ECB file for September 11, 2026 (1 EUR = 1.1592 USD, 0.85815 GBP, 0.9451 CHF and 178.56 JPY), and is written the way the screen displays it in English.

  • 100 euros to dollars: the screen shows €100.00 = $115.92, with the rates “1 EUR = 1.1592 USD” and “1 USD = 0.86266 EUR”. In the quick table, €1 comes to $1.16 and €1,000 to $1,159.20.
  • 250 pounds sterling to Swiss francs, a rate the ECB doesn't publish: 0.9451 ÷ 0.85815 ≈ 1.10132, hence £250.00 = CHF 275.33, “1 GBP = 1.10132 CHF” and, the other way, “1 CHF = 0.908 GBP”.
  • A price of 1,234.56 dollars typed as 1,234.56, from USD to EUR, gives $1,234.56 = €1,065.01. Typed the European way, 1.234,56 reads the same; 1.500 on its own reads as one thousand five hundred, not 1.5, while 0,500 reads as 0.5.
  • 150,000 yen typed as 150,000, from JPY to EUR: ¥150,000 = €840.05, with “1 JPY = 0.0056004 EUR”. The other way, €100.00 gives ¥17,856, with no decimals, because the yen has no minor unit.

What this converter can't tell you

  • These are ECB reference rates, published for information only: the European Central Bank strongly discourages using them for transactions, and the amount your bank, your card or an exchange counter charges will differ, because each applies its own rate and fees.
  • This is not a real-time quote: one publication per working day, around 16:00 Central European Time, none on weekends or on TARGET closing days; the site fetches each new publication from 16:30 Frankfurt time. Market moves during the day never show up.
  • Thirty currencies only, the euro and the twenty-nine the ECB quotes against it: the Argentine peso or the Egyptian pound, for instance, aren't offered, and the tool doesn't fetch missing currencies from any other source.
  • Rates load when the page opens, again when you come back to the tab after half an hour, and every half hour while it stays on screen; in between, results use the rates already received. The delay warning relies on your device's clock, so a clock set wrong can trigger it or hide it for no reason.
  • The rates need a connection when the page loads: if they can't be fetched, or the server has no readable ECB rates, nothing is converted and no fallback rate appears. If only the history is missing, the conversion stays available and the chart gives way to a message.
  • The chart only covers the last 90 days, one point per publication: no moves within a day, no older history, and no way to convert at a past date's rate.

Privacy

Browser, and a server for one feature

The conversion itself is calculated in your browser. To get the rates, it sends the site's server two requests that are identical for everyone, the day's rates and then the 90-day history, with no amount and no currency in them; that server reads the ECB files, so the ECB only ever sees the server, never you. On this browser only, the allin_tools entry in local storage keeps the pair you chose and the last readable amount. The copied link carries the amount and both currencies in plain text: whoever receives it can read them, and once it is opened, the full address reaches the site's server and, like any page address, can be read by the Google scripts the page loads. The site's own measurement records the page path without its parameters, the interface language, a mobile-or-desktop screen class and a random identifier tied to the tab, plus one event for your first change, your first result, each kind of copy and a loading failure, never an amount or a currency.

Frequently asked questions

Why doesn't my bank give me the same amount?

Because the tool shows the ECB reference rate, a benchmark published for information, while your bank or card converts at its own rate and may charge fees on top. To measure the gap, convert the amount of a card payment here on the day you make it, then compare with the sum taken from your account: the difference covers the exchange margin and the fees.

What time is the exchange rate updated?

The ECB publishes its reference rates around 16:00 Central European Time on every working day, after central banks consult each other around 14:10. Nothing comes out on weekends or on TARGET closing days: January 1, Good Friday, Easter Monday, May 1, December 25 and 26. On those days the tool keeps the latest date published. The site fetches them again from 16:30 Frankfurt time, so a new day's rates show up shortly after.

How is the rate between the pound and the dollar calculated?

The ECB only publishes rates against the euro, never between two other currencies, so the tool goes through the euro: dollars per euro divided by pounds per euro. At the ECB rates for September 11, 2026, 1.1592 ÷ 0.85815 gives “1 GBP = 1.35081 USD” and “1 USD = 0.7403 GBP”, so 100 pounds show as £100.00 = $135.08. The same rule applies to every pair among the thirty currencies.

Why isn't the Argentine peso in the list?

Because the tool only offers the ECB's thirty currencies: the euro and the twenty-nine the ECB quotes against it every working day. The Argentine peso isn't one of them, and the tool doesn't fill the gap from another source. If the region set in your browser uses a currency that isn't quoted, the tool opens on euros to US dollars instead, unless a link or your last visit says otherwise.

Can I use this rate for an invoice or my accounts?

The ECB says its reference rates are published for information only and strongly discourages using them for transactions. They give a dated order of magnitude, handy for preparing an invoice or checking a salary paid in another currency, and “⧉ Copy” keeps the result with its date and source. For the figure that counts, check the rate set in your contract or the one your bank and your accountant apply.

How do I type an amount with thousands and decimals?

The way you normally write it: 1,234.56, 1 234,56 and 1.234,56 all give the same amount, because the last dot or comma is read as the decimal separator. A single separator followed by exactly three digits counts as thousands, so 1,500 and 1.500 both mean fifteen hundred, except after a zero: 0,500 is 0.5. Currency symbols, minus signs and amounts above 1,000,000,000,000 are refused with a message under the field.

What does the 90-day chart show?

The rate of the pair you chose at each ECB publication over the last 90 days, one point per publication, so weekends leave no flat stretches. Two markers flag the low and the high, the badge beside the chart's title gives the change from the first point to the last, and a sentence below the chart repeats these values with their dates. The line always ends on the rate used for your conversion.

Does the tool remember my currencies?

Yes, on this browser: the pair on screen and the last readable amount come back on your next visit. A shared link, or a site search such as “100 euros to dollars”, takes priority over that memory. With neither, the tool starts from 100 in the currency of the region set in your browser, or in euros if the ECB doesn't quote it, converted to US dollars, or to euros if that currency is already the dollar.

Further reading

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