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Currency Unit Converter

Convert between 160+ currencies at the daily mid-market rate, loaded live in your browser.

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Quick answer

This converter turns an amount in one currency into another at the daily mid-market rate, the midpoint between the buy and sell prices that banks trade at with each other. Your browser loads the rates from the open.er-api.com feed, with the European Central Bank's published rates as a backup, and covers roughly 160 currencies by their ISO 4217 codes. Treat the result as a reference. It matches the market, but it does not include the markup a bank or card adds.

What the Currency Unit Converter does

Type an amount and pick two currencies, say 100 US dollars into Indian rupees, or euros into yen, and the conversion appears straight away. The tool covers about 160 currencies, each identified by its three-letter ISO 4217 code (USD, EUR, INR and so on), and recalculates as soon as you change the amount or a currency.

The number you see is the mid-market rate, not a retail one. It has no margin built in, which is why comparison sites use the same benchmark to show how much a bank charges on top.

How it works

When the page opens, your browser fetches the latest rate table directly from the exchange-rate API. No NineClip server sits in between. Every rate in the table is quoted against the US dollar, and that shared base lets the tool convert between any two currencies, including pairs where neither side is the dollar.

From then on the work happens on your device. Change the amount and it recomputes locally in one step, without sending what you typed anywhere. The date stamp under the result shows how fresh the rates are.

Data source & conversion logic

Rates come from open.er-api.com, the free endpoint of the Open Exchange Rates project, which publishes daily mid-market rates for around 160 currencies against the US dollar. If that feed doesn't respond, the tool switches to the European Central Bank's euro reference rates, served through the Frankfurter API. The ECB sets those once per working day: a panel of central banks agrees them in a concertation procedure at about 14:10 CET, and they are published near 16:00 CET as the average of the day's buying and selling rates. If you're offline or both feeds are down, the converter uses a small built-in table of eight major currencies and marks the figures as indicative.

  1. Step 1. On load, request the USD-based rate table from open.er-api.com.
  2. Step 2. If that request fails, fall back to the ECB (Frankfurter) feed. If that also fails, use the built-in offline rates.
  3. Step 3. Fill both currency menus from whatever the feed returns, defaulting to USD → INR.
  4. Step 4. To convert, divide the amount by the source currency's rate per USD to get its dollar value, then multiply by the target currency's rate per USD.
  5. Step 5. Round to two decimal places and display the result alongside the date of the rates used.

Conversion formula

result = (amount ÷ rate_from) × rate_to (each rate is that currency's value per 1 USD)
Worked examples
100 USD → INR, rate_INR = 83.20: (100 ÷ 1) × 83.20 = 8,320.00
50 EUR → GBP, rate_EUR = 0.92, rate_GBP = 0.79: (50 ÷ 0.92) × 0.79 ≈ 42.93

Both rates share the US-dollar base, so the dollar cancels out. This is the standard cross-rate (triangulation) method, and it is why any pair can convert through USD even when neither side is a dollar.

Technical details

Primary sourceopen.er-api.com: daily mid-market, USD base
Fallback sourceEuropean Central Bank (via Frankfurter)
Currencies~160, ISO 4217 codes
RefreshDaily, about once every 24 hours
Rate typeMid-market / interbank (no markup)
CalculationUSD cross-rate, rounded to 2 dp
Where it runsYour browser fetches the rates itself
Offline8-currency indicative fallback

Standards and references

  • ISO 4217: The international standard for currency codes. Each currency has a three-letter code (USD, EUR, INR), a numeric code, and a set number of decimal places, called its "minor unit".
  • ECB euro reference rates: The European Central Bank's daily benchmark. This tool uses it as the fallback source; it is published every working day around 16:00 CET.
  • Mid-market (interbank) rate: The midpoint of the bid and ask prices in the wholesale FX market. Banks trade with each other at this rate, and it is the neutral benchmark for judging retail offers.

Accuracy and limits

These are daily rates, not a live trading feed. They refresh roughly once every 24 hours, so in a fast-moving market the figure can lag the real-time rate by a few hours. That is fine for budgeting, invoicing and travel, but not for timing a large transfer to the minute.

The mid-market rate carries no margin, which also means it isn't what you'll be charged. High-street banks typically add 2.5% to 4.5% on top. Paying by card abroad can mean the network rate plus a fee, or dynamic currency conversion offered at the till. Expect the amount you actually send or receive to differ by a few percent.

Most currencies show two decimal places, matching their ISO 4217 minor unit, but not all do: the Japanese yen has no minor unit, while the Kuwaiti dinar uses three. This tool shows two decimals for every currency, so on a zero-decimal currency the trailing digits are just rounding.

The offline fallback covers only eight currencies and never changes. Don't rely on it for an exact figure; reconnect to load live rates first.

Real-world uses

Travel money

Work out what a hotel, taxi or dinner abroad costs in your home currency before you pay, and spot a bureau de change quoting a poor rate.

Cross-border invoices

Convert a payment in USD, EUR or GBP into your own currency for budgeting and tax estimates. The figure is the mid-market rate, before any fees.

Online shopping

Check what a foreign price tag is worth instead of trusting the checkout's own conversion, which often includes a markup.

Quick sanity check

Get a neutral reference figure for any currency pair when a ballpark is all you need.

When it fits, and when it doesn't

Good for

  • Travel planning and trip budgeting
  • Everyday budgeting and price comparisons
  • Estimating cross-border invoices and freelance payments
  • Learning, or a neutral reference figure

Not the best choice for

  • Accounting records and bookkeeping
  • Tax filings and customs valuations
  • Legal contracts and settlement amounts
  • Pricing or executing an actual currency trade

For anything official, use the exact rate the relevant institution specifies: your bank or payment provider for a transaction, or the rate your tax authority and accounting standard require for records and filings.

Frequently asked questions

What is a mid-market exchange rate?
It's the midpoint between the buy (bid) and sell (ask) prices of a currency pair in the wholesale market where banks trade with each other, also called the interbank or spot rate. It sits exactly in the middle with no margin added, so it is treated as the 'real' rate and used as the benchmark for what banks and apps charge.
Is this the rate my bank will actually give me?
Almost never. This is the mid-market rate with no markup. Banks and transfer services add a margin, often 2.5% to 4.5% at high-street banks, plus any fixed fee, so the amount you send or receive is a little worse. Comparing the two shows what the transfer really costs.
Abroad, should I let a shop or ATM charge me in my home currency?
Usually not. That option is dynamic currency conversion (DCC), which converts at the point of sale using a marked-up rate that can be well above interbank, sometimes by 10% or more. Paying in the local currency and letting your own bank convert is normally cheaper. Compare the offer with this tool's mid-market figure before you accept.
How often do the rates update?
About once a day. The primary feed publishes daily mid-market rates, and the ECB fallback is set each working day around 16:00 CET. Neither is a live, second-by-second trading price.
Why hasn't the rate changed since Friday?
The global currency market closes over the weekend, roughly from late Friday to Sunday evening UTC, and reference rates like the ECB's are only published on working days. On a Saturday, Sunday or public holiday you'll see the last working day's rate until the market reopens.
Can I look up historical exchange rates here?
No, this tool shows only the latest daily rate. The ECB Data Portal publishes euro reference rates back to January 1999, and most central banks offer downloadable time series. Use those when you need the rate for a specific past date.
What happens if the rate provider is unavailable?
The tool switches source on its own. If open.er-api.com doesn't respond, it tries the European Central Bank (Frankfurter) feed. If that is also unreachable, it uses a small built-in table of eight major currencies, marked as indicative. The status line under the result tells you which source is in use.
Which currencies can I convert?
Around 160, depending on what the live feed returns that day. They're listed by their ISO 4217 codes (USD, EUR, INR, JPY and so on), and both menus fill from the latest rate table.
How accurate are the results?
They match the published daily mid-market rate, rounded to two decimals, which makes them a dependable reference. They don't include the markup, fees or exact timing of a real transaction, so for an actual transfer, go by the figure your provider quotes.
Why is every currency converted through the US dollar?
The feeds quote everything against the dollar, so the tool converts your amount into USD first and then into the target currency. This cross-rate (triangulation) method is standard, and it lets any pair work even when neither side is the dollar.
Does it work offline?
Partly. Fresh rates need a connection. Offline, the tool uses indicative rates for eight major currencies (USD, EUR, GBP, INR, JPY, AUD, CAD, CNY), which give you an estimate but not a current one.
Do you store the amounts I enter?
No. Your browser requests the rates directly from the provider and does the maths on your device. We never receive or store the amounts you type.

References

Written from the tool's own rate feed (open.er-api.com, with the ECB as fallback) and the cross-rate maths it runs on each conversion.

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