Currency Converter
Static or cached rates.
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How exchange rates work
An exchange rate is the price of one currency in another, and it moves continuously during trading hours in response to interest rates, inflation, trade flows, and market sentiment. The rate quoted in the news is the mid-market rate — the midpoint between what buyers are bidding and sellers are asking — and it is a reference point rather than a price anyone offers you.
What you actually pay is worse, and the gap is where the money is made. Banks and exchange bureaux quote a spread around the mid-market rate, typically 2 to 5 per cent, sometimes far more at airports. Card networks apply their own rate plus a foreign transaction fee, and dynamic currency conversion at a payment terminal — the offer to be charged in your home currency — is almost always the most expensive option presented. Knowing the mid-market rate is what lets you see how much a provider is really charging.
Why we built this tool
You convert currency when travelling, shopping on a foreign site, invoicing an overseas client, or checking whether a quoted price is reasonable.
Rates are public data, so the interesting design question is how a converter gets them. Every tool needs a rate from somewhere, and this one fetches published rates over the network — the one place on this site where a request is necessary, because exchange rates simply do not exist on your device. What is not sent is your side of it: the amounts you type stay in your browser, no account is required, and no record of what you converted is kept. Treat the result as the mid-market reference and expect your bank to charge more.
Tips and common mistakes
- The rate shown is the mid-market reference; your bank or card will charge more.
- Decline dynamic currency conversion at payment terminals — being charged in your home currency is nearly always worse.
- Rates move continuously, so a quote from this morning is not today's price.
- For invoicing, agree in advance which rate and which date apply.
Open Currency Converter with a link
Currency Converter can be handed its input by the link that opens it, so the page arrives with the work already done. This is meant for assistants and scripts: if a chatbot, an editor extension, or a command-line agent already holds your content, it can build a link instead of asking you to copy and paste into a box.
The payload rides in the fragment — the part of a URL after the #. Browsers never send the fragment to a server, so anything handed over this way stays on your device exactly as a dropped file would. A link that uses the query string instead is rewritten into the fragment by the page before any analytics or ad script can read the address.
#amount=— the amount to convert#from=— the unit or currency to convert from#to=— the unit or currency to convert to
Example: https://mygadgets.ink/tools/currency-converter/#amount=...&from=...&to=...
Quick start: using Currency Converter
- Choose the currency you are converting from and to.
- Enter the amount.
- Read the converted figure and note the rate used.
- Remember this is the mid-market rate, not what a provider will offer you.
- Compare against your bank or card's rate to see the real cost.
For physical measurements rather than money, see Unit Converter; for margin and markup sums, Percentage Calculator.