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This currency converter turns an amount in one currency into another using the European Central Bank's daily reference rates, covering around 30 major currencies including EUR, USD, GBP, CHF and JPY. The date of the rate is shown so you always know how current it is.

The ECB publishes these reference rates once every working day at about 16:00 Central European Time. The tool fetches them through this site's own cached endpoint, so it loads quickly and your browser only ever connects to this site, not to a third-party finance service.

Because the rate is set once per working day, it does not change on weekends or public holidays; on those days the most recent working day's rate applies until the next publication.

It is important to understand what a reference rate is. It is the official mid-market rate for the day, which is exactly what you want for estimates, bookkeeping, invoices, expense reports and tax calculations. It is not the live, second-by-second rate a bank or exchange quotes, and it does not include the spread or fees a provider would add to a real transaction.

For accounting and tax in particular, ECB reference rates are a widely accepted basis, which is why this converter is built on them rather than on a volatile live feed.

To use it, enter an amount, choose the currency to convert from and the one to convert to, and read the converted figure along with the exchange rate used. The swap button flips the direction instantly.