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Live data·Mid-market rates·Free · No signup·Updated Sep 2026

Currency Converter

Convert between 160 world currencies at the mid-market rate — the same rate you see on Reuters and Google, with no markup added.

100.00 US Dollar equals

86.13 EUR

1 USD = 0.861300 EUR

1 EUR = 1.1610 USD

Mid-market rate· published

What you’ll actually pay

The mid-market rate above is the wholesale rate — almost nobody gets it. Banks, ATMs and card networks add a margin, typically around 2–4%, and airport exchange desks are usually worse. Set the margin you expect and see what actually lands in your pocket.

0% (mid-market)10% (airport kiosk)

You receive

Effective rate

Mid-market

86.13 EUR

Move the slider to see the cost of the markup.

Pocket cheat sheet

Both directions at the current rate. Print it or screenshot it so you can check prices offline while you travel.

USD to EUR conversion table
USDEUR
1 USD0.86 EUR
5 USD4.31 EUR
10 USD8.61 EUR
20 USD17.23 EUR
50 USD43.07 EUR
100 USD86.13 EUR
250 USD215.33 EUR
500 USD430.65 EUR
1,000 USD861.30 EUR
EUR to USD conversion table
EURUSD
1 EUR1.16 USD
5 EUR5.81 USD
10 EUR11.61 USD
20 EUR23.22 USD
50 EUR58.05 USD
100 EUR116.10 USD
250 EUR290.26 USD
500 EUR580.52 USD
1,000 EUR1,161.04 USD

Live rates for popular travel pairs

Current mid-market rates for the pairs travellers ask about most. Each opens a dedicated page with a full conversion table.

Where these rates come from

Every figure on this page is a mid-market rate — the midpoint between the buy and sell price on the wholesale currency market. Packzup adds no margin and earns nothing when you convert.

  • Source: the open-source exchange-api dataset, with ER-API and Frankfurter (European Central Bank reference rates) as fallbacks.
  • How often they change: these sources publish once a day, so the rate here is a daily reference rate, not a live dealing price. ECB reference rates publish on working days only. The set in use was published 2026-09-07.
  • What it is not: not the rate your bank, ATM or card issuer will give you, and not a dealing rate for large transfers. Use the markup tool above for a realistic figure.
  • Coverage: 160 currencies. Withdrawn currencies (such as the Croatian kuna) are excluded rather than shown at a frozen rate.

This is general information, not financial advice. Spotted a figure that looks wrong? Tell us at editorial@packzup.com and we will check it.

How to use this converter

Enter an amount, choose your two currencies, and the result updates as you type — there is no button to press. Every figure on this page is a mid-market rate, and the markup slider shows what a typical bank, ATM or card margin does to it.

  • Swap direction with the arrows between the two currency menus.
  • Tap a preset amount to jump straight to 1, 10, 100, 500, 1,000 or 5,000 units.
  • Copy result puts the conversion, the rate and the publication date on your clipboard — handy for expense claims and invoices.
  • Print cheat sheet gives you both directions on a single sheet for offline use once you land.
  • The converter still works with JavaScript switched off: pick your currencies and press Convert.

Getting the best exchange rate abroad

The mid-market rate is the benchmark, not the price. What you actually receive depends on which of these you get right.

  • Always pay in the local currency. When a card machine or ATM offers to charge you in your home currency instead, decline it. That is dynamic currency conversion, and the margin is set by the merchant's payment provider rather than by your own bank.
  • Use bank ATMs in preference to the standalone machines in airports, railway stations and tourist strips, which tend to carry the widest margins.
  • Check both charges. Your own bank may add a foreign-transaction fee on top of the exchange margin, and the machine's operator may add a separate withdrawal fee.
  • Withdraw larger amounts less often wherever a flat per-withdrawal fee applies, so the fixed cost is spread over more money.
  • A fee-free travel card usually beats exchanging cash for everyday spending — but carry a small amount of local cash for your arrival, before you have found a bank ATM.

Currency Converter FAQ

Is this the rate my bank or ATM will give me?
No. This is the mid-market rate — the wholesale benchmark. Banks, ATM operators and card networks add a margin to it, so you will receive less. Use the markup slider above to see a realistic figure.

What does “mid-market rate” actually mean?
It is the midpoint between the buy price and the sell price on the wholesale currency market. It is the rate quoted by Reuters and by Google, and the rate against which every retail margin is measured.

How often do these rates change?
The sources behind this page publish once a day, so treat the figure as a daily reference rate rather than a live dealing price. European Central Bank reference rates publish on working days only. The publication date is shown next to the rate.

How many currencies does this support?
160, covering every widely traded currency. Currencies that have been withdrawn — the Croatian kuna, for instance, after Croatia adopted the euro — are left out rather than shown at a frozen rate.

Should I exchange money before I travel?
Carry a small amount of local cash for arrival, then withdraw from bank ATMs or spend on a fee-free card. Exchanging a whole trip's budget in advance usually costs more than doing it as you go.

Can I use these figures in an invoice or expense claim?
Yes, and the Copy result button includes the rate and its publication date so the figure can be checked later. Because rates move daily, always record the date alongside the amount.

Every currency pair with its own page

Each of these opens a dedicated page with a full conversion table and a plain-English note on what the rate means at the till.

How to cite this page

Journalists, researchers, educators and developers are welcome to use this converter with attribution. Copy the citation below:

Packzup. “Currency Converter: Live Exchange Rates” Packzup, 2026, https://packzup.com/currency-converter/.

Rates are retrieved from public data sources and change daily — quote the publication date shown beside the rate alongside any figure you publish. If you publish an article, chart or dataset using these figures, a link back to this page lets your readers verify the source for themselves. Questions about the data, or a request for a custom cut: editorial@packzup.com.

Keep planning — more from Packzup: Currency + Tipping Cheat Sheet: 45+ Countries

How to use this tool

  1. 1
    Enter the amountType the amount you want to convert in the input field at the top.
  2. 2
    Select source and target currenciesPick the currency you're converting FROM, and the currency you want TO.
  3. 3
    Read the live conversionThe converted amount updates as you type, using the day's published mid-market rate.
  4. 4
    Swap if neededUse the swap button to instantly reverse the direction.

Budgeting a whole trip, not just one conversion? See typical daily costs for 200 countries in our Travel Cost Index 2026, then build a full plan with the Trip Cost Calculator.

More travel guides: do they speak English?, what to wear when you travel, cash or card by country, tap water safety, eSIM data abroad, etiquette by country, ATM fees abroad, and travel scams by country.