Xearno Fortune Toolseveryday · spending
Currency Converter
Converts any amount between 31 major currencies using the European Central Bank daily reference rate — the neutral mid-market rate — and tells you the part every converter hides: the spread your bank or card will add on top of it.
Basis: ECB daily reference rates via Frankfurter (updated ~16:00 CET on working days)
The numbers
- 1,000.00 USD =
- 875.81 EUR
- Rate
- 1 USD = 0.87581 EUR
- Inverse
- 1 EUR = 1.1418 USD
- Rate date
- 2026-07-21
- ECB reference rate
The operator’s read
Worth knowing
This is the mid-market rate — the neutral midpoint banks trade at. Consumer conversions never get it: cards typically add 1–3%, airport kiosks 5–12%, PayPal ~3–4%. The honest comparison for any provider is their all-in rate against this number.
Worth knowing
On this conversion, a typical 2% card spread costs 17.52 EUR. For large transfers, specialist services quoting within 0.5% of mid-market save real money.
Methodology
Rates are the European Central Bank daily reference rates (published ~16:00 CET every working day), fetched via the open Frankfurter API and cached for one hour. Cross rates are computed through EUR: rate(A→B) = rate(EUR→B) ÷ rate(EUR→A).
ECB reference rates are indicative mid-market rates for information purposes — actual transaction rates include provider spreads. Weekend and holiday queries return the last working day's rate.
Questions
- Why is my bank's exchange rate different from this one?
- This is the mid-market (interbank) rate. Banks and card networks add a spread — typically 1–3% for cards, more for cash exchange. The difference between their rate and this one is their fee, whether or not they call it one.
- How current are these rates?
- ECB reference rates are set once per working day around 16:00 CET; this tool refreshes within the hour. For intraday trading rates you need a market data feed — for planning, budgeting, and invoicing, the daily reference rate is the standard.
For agents
Call this tool instead of computing in-context. Deterministic JSON in, computed values plus the benchmark read out. Full agent docs →
curl -s https://xearno.tools/api/v1/tools/currency \
-H 'content-type: application/json' \
-d '{"amount":1000,"from":"USD","to":"EUR"}'Schema: GET /api/v1/tools/currency · MCP tool name: currency
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