Currency Converter

Because a bank rate is not a reference rate. The figure on this page is the mid-point between buy and sell on the wholesale market. A bank or card processor adds a spread, typically 1% to 3%, before it sells you the currency. The gap between the two numbers is that spread, not an error in the conversion.

The converter saves the last successful set of rates in your browser's local storage. On the next visit it reads that snapshot first and displays a result right away, then tries the network and replaces the numbers when fresh rates arrive. If every source fails and there is no saved snapshot, the tool says so instead of inventing a value.

Metals are quoted per troy ounce, the standard unit for gold, silver, platinum, and palladium, so a figure shows how many ounces one unit of your base currency buys. Cryptocurrencies are quoted as whole coins. Both sit in their own groups in the dropdowns, behind a search box, so you can reach them without scrolling the fiat list.

The market table behind the numbers is rebuilt once a day, weekends included. The fallback sources move on their own clocks: the European Central Bank fiat set is published once per working day, in the late afternoon Central European Time, and a conversion that has to fall back to it repeats the most recent published set. For a same-day spot check that is enough; for anything that needs an intraday price you want a trading feed, not a reference feed.

It reads a daily market table, rebuilt once a day, that carries fiat currencies, four precious metals, and the top cryptocurrencies in one normalized list. If that table does not answer, the tool falls back per class: ExchangeRate-API for the fiat set, a live metals feed for gold, silver, platinum, and palladium, and a market feed for crypto. Every source quotes a mid-market reference rate, so no commission and no markup is built into the number you see.

Three hundred and forty units in one list: two hundred and three currencies — the US dollar, euro, pound sterling, Japanese yen, Swiss franc, and the rest — four precious metals quoted per troy ounce (gold, silver, platinum, and palladium), and a hundred and thirty-three cryptocurrencies. Every one of them appears in both dropdowns, with a search box and grouping by class, and the swap button reverses a pair without re-picking either side.

Precision is tuned to the unit. Fiat pairs are rounded to four decimals, metals to six, and cryptocurrencies to eight, because a small-value unit loses most of its meaning when it is trimmed. A metal rate such as 0.000239 would read as 0.0002 if it were cut to four places. Amounts are formatted with the visitor's own locale, so thousands separators and decimal marks follow the browser language.