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.

Everyday Moneyshopping

Currency Converter

Worldwide — arithmetic, no local rules

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 =: 860.44 EUR
Rate: 1 USD = 0.860437 EUR
Inverse: 1 EUR = 1.1622 USD
Rate date: 2026-09-04; 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 17.21 EUR. For large transfers, specialist services quoting within 0.5% of mid-market save real money.

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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

Methodology

Questions

For agents

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