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Currency Converter

Convert money between currencies using a manual exchange rate, percentage fee, and fixed fee.

Conversion Details
Amount
to / 1 from
%
from
Estimated Amount Received
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Gross Converted
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Total Fee Impact
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Reverse Rate
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Pair
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Rate Used
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Fee Setting
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โ–  Receivedโ–  Fee Impact
Learn

Currency Conversion: A Complete Guide

Currency conversion changes money from one currency into another using an exchange rate. The direction of the rate matters: if 1 USD equals 0.92 EUR, then USD to EUR uses 0.92, while EUR to USD uses the reverse rate.

This converter lets you enter the exact rate quoted by your bank, exchange shop, card provider, or transfer service. It also includes fee fields because the real amount received often differs from the headline market rate.

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Rate direction

Always confirm whether your rate means target currency per 1 source currency. Entering the inverse by mistake can make the result dramatically wrong.

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Fees and spreads

Banks and exchanges may include a spread, percentage markup, fixed fee, transfer fee, or card fee. Including these costs gives a more realistic estimate.

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Reverse rate check

The reverse-rate result helps you sense-check the conversion direction. If the reverse rate looks closer to the quote you have, you may need to swap the currencies.

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Real-world use

Use this for travel cash, remittances, freelance invoices, online purchases, subscriptions, and comparing transfer providers before sending money.

FAQ

Frequently Asked Questions

Does this converter use live rates?
No. It uses the exchange rate you enter manually. This is useful when you want to use the exact quote from a bank, card company, exchange counter, payment processor, or money-transfer app.
What does โ€œto per 1 fromโ€ mean?
It means how many units of the target currency you receive for one unit of the source currency. If 1 USD equals 0.92 EUR, choose USD as from, EUR as to, and enter 0.92.
Why is my bank amount different from online rates?
Online market rates may not be the rate offered to customers. Providers often add spreads, service fees, card conversion fees, transfer fees, or minimum charges.
How are fees applied here?
The fixed fee is removed from the source amount first. The remaining amount is converted, then the percentage fee is deducted from the converted amount. This gives a practical estimate of what may be received.
Can I add more currencies?
Yes. The dropdown is plain HTML. You can add more currency options with a code and symbol if your website audience needs additional countries.
Is this suitable for formal accounting?
For estimates yes, but formal accounting may require a specific official rate, transaction date, source record, and tax treatment. Use your finance policy for official records.