Currency conversion calculator
Convert at the daily reference rate and see what a broker’s conversion fee or spread costs you.
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How this is calculated
The converted amount is the amount times the rate. A fee or spread of f% leaves (1 − f) × converted amount, so the rate you effectively receive is the rate times (1 − f). A spread built into a quoted rate works the same way, which is why comparing the quoted rate with the reference rate shows what a conversion really costs.
The stored rates are daily reference rates (mid-market, published once each business day). They are a fair benchmark but not a rate you can deal at: banks and brokers quote their own rates around them.
Source: European Central Bank reference rates (via Frankfurter), rates for 22 October 2026.