A free currency converter for 158 currencies that uses the European Central Bank's daily reference rates and the official pegs first, with up to 10 years of history.
5.0(1 rating)Convert any amount between 158 currencies at the day's rates, official ones first, see how a rate moved over up to 10 years, and what your money is worth in the currencies you pick.
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How the rate moved
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$1,000.00 in other currencies
Pick one to convert to it, add your own, or remove the ones you don't need.
These are official reference rates, not what a bank or card charges. They set their own rate and add fees, so what you pay or receive can differ. Rates By Exchange Rate API
This free currency converter turns any amount into 158 currencies at the day's rates, official ones first, and shows how a rate moved over up to 10 years.
Type an amount, or a sum like 120 × 3, and pick 2 currencies. You get the result, the rate both ways, a chart you can scrub day by day, and the amount in the currencies you pick. The last rates stay in your browser, so it works offline too.
Here's where the rates come from, why they differ from your bank's, and how they fit with the other travel tools.
What is a currency converter?
A currency converter turns an amount in one currency into another at an exchange rate, and the rate it uses decides how useful it is.
This one uses reference rates: the rates central banks publish once a day, with no margin added. They're the fair middle of the market, so they're the right rate for comparing prices, planning a budget, or checking what your bank charged you.
Where the rates come from
Most rates are the European Central Bank's reference rates, which it publishes around 16:00 Central European Time on working days for 29 currencies against the euro.
Some currencies are held at a fixed rate by their central bank, so the converter uses that rate every day:
UAE dirham- Held at
- US$1 = AED 3.6725
- Set by
- Central Bank of the UAE
Saudi riyal- Held at
- US$1 = SAR 3.75
- Set by
- Saudi Central Bank
Qatari riyal- Held at
- US$1 = QAR 3.64
- Set by
- Qatar Central Bank
Omani rial- Held at
- US$1 = OMR 0.3845
- Set by
- Central Bank of Oman
Bahraini dinar- Held at
- US$1 = BHD 0.376
- Set by
- Central Bank of Bahrain
Jordanian dinar- Held at
- US$1 = JOD 0.709
- Set by
- Central Bank of Jordan
East Caribbean dollar- Held at
- US$1 = EC$2.70
Belize dollar- Held at
- US$1 = BZ$2
- Set by
- Central Bank of Belize
Barbados dollar- Held at
- US$1 = Bds$2
- Set by
- Central Bank of Barbados
Bahamian dollar- Held at
- US$1 = B$1
Bermudian dollar- Held at
- US$1 = BD$1
Panamanian balboa- Held at
- US$1 = B/.1
- Set by
- Panama's law, with the US dollar in everyday use
Cayman Islands dollar- Held at
- CI$1 = US$1.20
Caribbean guilder- Held at
- US$1 = Cg 1.79
Aruban florin- Held at
- US$1 = Afl. 1.79
- Set by
- Central Bank of Aruba
Namibian dollar- Held at
- R1 = N$1
- Set by
- Bank of Namibia
Cape Verdean escudo- Held at
- €1 = 110.265 escudos
- Set by
- Banco de Cabo Verde
The Colombian peso uses Colombia's official rate, the TRM, which Banco de la República publishes every day. On weekends and on the European Central Bank's holidays there's no new rate, so the converter keeps the last one.
Every other currency, from the Afghan afghani to the Zambian kwacha, uses the day's rate from Exchange Rate API, a feed of market rates updated once a day. Those convert at today's rate, and the chart covers the ones with an official rate, going back up to 10 years.
How to use the currency converter
On your first visit, the converter starts on the currency of the country you're in. Your amount and currencies stay in this browser.
Reference rates and what your bank charges
Banks, card networks and exchange counters set their own rates, and most add a margin to the reference rate, plus fees. So what you pay or receive can differ from the rate here.
- Compare what your bank or card converted with the rate here, for the same day
- When a card terminal or cash machine abroad offers to charge you in your home currency, choose the local currency instead, which usually gets you the better rate
- Check your card's foreign transaction fee before you travel
Sending money abroad
The rate here is the mid-market rate. When you send money, what arrives depends on the service: each one adds a fee, a markup on the rate, or both.
So under the result, the converter shows what the best money transfer services deliver for your amount, from real quotes, each with a button to its site. The money transfer comparison ranks every bank and service for your route.
On 12 common routes on September 27, 2026, Wise, Instarem, Remitly and Western Union were in the top five most often. I use Wise myself.
Living in more than one currency
My home base is Panama, where the US dollar is the everyday currency, and I've lived in 19 countries. I wrote about what a global citizen is, and more of my writing on money and the choices it buys is under freedom.
What you do with your money today determines the freedom you have tomorrow.
The same rates put every amount in the digital nomad visa finder, the golden visa finder, the citizenship by investment comparison and the retirement visa finder in your currency, next to each program's own amount.
Who is the currency converter for?
It's for anyone who earns, spends or saves across borders, and each of them has a next step:
- Digital nomad visa finder – remote workers checking which visas their income covers
- Golden visa finder – investors pricing a residence in their own currency
- Retirement visa finder – retirees matching a pension to a country's minimum
- Money transfer comparison – anyone sending money abroad who wants the most to arrive
- 183-day rule calculator – anyone counting the days before a stay makes them a tax resident
- Time zone overlap calculator – teams and clients working across time zones
- Card fees abroad calculator – travelers checking what a payment in another currency costs on their card
- What is a global citizen? – anyone building a life across borders, in my own words
More tools for the road are on the free travel tools page.
Currency Converter FAQs
Questions about exchange rates? Here's what to know.
A currency converter turns an amount in one currency into another at an exchange rate.
This one covers 158 currencies at the day's rates, official ones first, with a chart of up to 10 years for the currencies with an official rate.
From the European Central Bank's reference rates, published around 16:00 Central European Time on working days.
Currencies held at a fixed rate by their central bank, like the UAE dirham and the Saudi riyal, use that rate, the Colombian peso uses Colombia's official rate, the TRM, and every other currency uses the day's rate from Exchange Rate API.
No. Banks and card networks set their own rate and add fees, so what you pay or receive usually differs from the reference rate.
When a card terminal abroad offers to charge you in your home currency, choosing the local currency usually gets you the better rate.
Once a day, on the days the European Central Bank publishes them.
On weekends and on its holidays there's no new rate, so the converter keeps the last one.
Some countries hold their currency at a fixed rate to another, and their central bank keeps it there.
The UAE dirham is held at 3.6725 to the US dollar, the Saudi riyal at 3.75, and the East Caribbean dollar at 2.70.
158 of them, from the Afghan afghani to the Zambian kwacha.
48 have an official rate: the euro, the 29 currencies the European Central Bank publishes against it, 15 held to the US dollar, and the Namibian dollar, the Cape Verdean escudo and the Colombian peso. The other 110 use Exchange Rate API's daily rates.
Up to 10 years, for the 48 currencies with an official rate.
Scrub the chart to see the rate on any day, and pick a range from a week to 10 years, or your own days in the calendar.
I did. I'm Navid Moazzez, and the currency converter is one of my free tools on navid.me.
Read about me, or see my creator profile.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.
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