Currency converter
Thirty currencies at the European Central Bank's reference rates, with the date the rate was set printed next to the answer — because a rate without a date is a claim about right now that no static page can make.
By Alex Seote, Built and maintains Rule Calculator
ECB reference rates for this date · How we check
100.00 USD is
85.70 EUR
1 USD = 0.856971 EUR, and 1 EUR = 1.166900 USD.
European Central Bank reference rate for 2026-08-26, published once that working day at around 16:00 Central European Time. It is a statistical midpoint, not an offer — what a bank, a card or a bureau gives you will differ.
What you will actually be charged
Compare any offer against the midpoint above and the difference is the cost of the transaction, whatever it is called. A “no fee” exchange with a poor rate can be more expensive than a fee with a good one, and the only way to see that is to convert the amount at the reference rate and subtract.
Card networks set their own rate once a day and issuers may add a foreign transaction fee on top; withdrawing from a foreign cash machine often adds a third charge, and accepting the machine's offer to bill you in your own currency — dynamic currency conversion — is reliably the worst of the available options.
Questions people actually ask
- Why is this not the rate my bank gave me?
- Because a reference rate is a midpoint between what the market will buy and sell at, and nobody trades at the midpoint. A bank or card issuer takes a margin on top — typically a fraction of a percent for a good card and several percent at an airport bureau — and may add a fixed fee as well. The midpoint is the right number for comparing offers and the wrong one for predicting what lands in your account.
- How current are these rates?
- The set on this page is the ECB's publication for 2026-08-26. The ECB collects quotes at 14:15 Central European Time on each working day and publishes shortly after 16:00, so there is one rate per currency per weekday and none at weekends or on Eurosystem holidays. This is a converter, not a ticker: for a live rate at the moment of a trade you need a market feed, and this page does not pretend to be one.
- How is a dollar-to-yen rate worked out?
- Through the euro, because that is what the ECB publishes. The rate is the euro-yen figure divided by the euro-dollar figure. Cross rates computed this way are consistent by construction — there is exactly one published number per currency, so no two paths between the same pair can disagree.
- Which currencies are covered?
- The 30 the ECB publishes: the majors, the Nordics, most of central Europe, and the larger Asian and American currencies. Currencies pegged to the dollar or under capital controls are often absent from the feed, and inventing a rate for one would be worse than leaving it out.
- Are the rates the same in both directions?
- Here, yes — the inverse is exactly the reciprocal, which is what a midpoint means. In the real market there are two prices, a bid and an ask, and the gap between them is where the dealer earns. A converter that shows one rate for both directions is showing you a midpoint whether it says so or not.
Source
- European Central Bank — euro foreign exchange reference rates
- Rates as published for 2026-08-26.