Currency Converter

Convert currencies instantly using authoritative ECB reference rates. Designed for travelers, finance professionals, and online shoppers, this converter supports historical dates and lets you simulate real-world provider markups for accurate budgeting.

Results

Converted amount
—
Mid-market rate
—
Adjusted rate (with margin)
—
Estimated fee impact
—
Rates date used
—

Data Source and Methodology

Authoritative Data Source: European Central Bank (ECB), Euro foreign exchange reference rates (EXR), updated on TARGET business days. Official page: https://www.ecb.europa.eu/stats/eurofxref/. API used: frankfurter.app (mirrors ECB rates with CORS support).

Tutti i calcoli si basano rigorosamente sulle formule e sui dati forniti da questa fonte.

Notes: ECB quotes are mid-market reference rates with EUR as base. For conversions between two non-EUR currencies, the tool computes a precise cross-rate. Historical requests automatically roll to the latest available business day if a holiday/weekend is chosen.

The Formula Explained

Let EUR-based rates be r_EUR→X and r_EUR→Y. The cross-rate from X to Y is:

$$ r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}} $$

Given an amount A in currency X and a provider margin m (e.g., 0.01 for 1%), the converted amount C in Y is:

$$ C \;=\; A \times r_{X \to Y} \times (1 - m) $$

The estimated fee impact F in Y is:

$$ F \;=\; A \times r_{X \to Y} \times m $$

Glossary of Variables

  • Amount (A): The quantity in your source currency to convert.
  • From currency (X): The currency you have.
  • To currency (Y): The currency you want to receive.
  • Mid-market rate (rX→Y): The neutral reference rate with no markup.
  • Provider margin (m): Percentage markup applied by providers; reduces the received rate.
  • Adjusted rate: Effective rate after margin, rX→Y × (1 − m).
  • Converted amount (C): Final amount in Y after applying the adjusted rate.
  • Fee impact (F): Reduction in Y due to the applied margin.
  • Rates date: The ECB reference date used for the computation.

Worked Example

How It Works: A Step-by-Step Example

Suppose you convert A = 100 EUR to USD with m = 1%. Since ECB’s base is EUR, r_EUR→EUR = 1 and assume r_EUR→USD = 1.08. Then the cross-rate r_EUR→USD is 1.08 and:

Mid conversion: 100 × 1.08 = 108 USD.

Adjusted rate: 1.08 × (1 − 0.01) = 1.0692.

Converted amount: C = 100 × 1.0692 = 106.92 USD.

Fee impact: F = 100 × 1.08 × 0.01 = 1.08 USD.

Frequently Asked Questions (FAQ)

Do you support historical exchange rates?

Yes. Use the Rate date field; the closest available ECB business day will be used automatically.

Why might my bank’s rate differ?

Banks and cards often add a margin to the mid rate. Use the Provider margin slider to simulate this effect.

How many currencies are supported?

All ECB-published currencies available via frankfurter.app are supported, including major and several minor currencies.

Is the converted amount guaranteed?

No. This tool provides reference values. Actual rates vary by provider, timing, fees, and liquidity.

What happens if there is no internet connection?

The tool will try to use the last cached rates from your browser and indicate that a fallback was used.

Can I copy and share the result?

Yes. Use the Copy results button to place a summary on your clipboard.

Strumento sviluppato da Ugo Candido. Contenuti verificati da CalcDomain Editorial Team.
Ultima revisione per l'accuratezza in data: .

Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}}\]
r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}}
Formula (extracted LaTeX)
\[C \;=\; A \times r_{X \to Y} \times (1 - m)\]
C \;=\; A \times r_{X \to Y} \times (1 - m)
Formula (extracted LaTeX)
\[F \;=\; A \times r_{X \to Y} \times m\]
F \;=\; A \times r_{X \to Y} \times m
Formula (extracted text)
Let EUR-based rates be r_EUR→X and r_EUR→Y. The cross-rate from X to Y is: $ r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}} $ Given an amount A in currency X and a provider margin m (e.g., 0.01 for 1%), the converted amount C in Y is: $ C \;=\; A \times r_{X \to Y} \times (1 - m) $ The estimated fee impact F in Y is: $ F \;=\; A \times r_{X \to Y} \times m $
Variables and units
  • No variables provided in audit spec.
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn
, '

Currency Converter

Convert currencies instantly using authoritative ECB reference rates. Designed for travelers, finance professionals, and online shoppers, this converter supports historical dates and lets you simulate real-world provider markups for accurate budgeting.

Results

Converted amount
—
Mid-market rate
—
Adjusted rate (with margin)
—
Estimated fee impact
—
Rates date used
—

Data Source and Methodology

Authoritative Data Source: European Central Bank (ECB), Euro foreign exchange reference rates (EXR), updated on TARGET business days. Official page: https://www.ecb.europa.eu/stats/eurofxref/. API used: frankfurter.app (mirrors ECB rates with CORS support).

Tutti i calcoli si basano rigorosamente sulle formule e sui dati forniti da questa fonte.

Notes: ECB quotes are mid-market reference rates with EUR as base. For conversions between two non-EUR currencies, the tool computes a precise cross-rate. Historical requests automatically roll to the latest available business day if a holiday/weekend is chosen.

The Formula Explained

Let EUR-based rates be r_EUR→X and r_EUR→Y. The cross-rate from X to Y is:

$$ r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}} $$

Given an amount A in currency X and a provider margin m (e.g., 0.01 for 1%), the converted amount C in Y is:

$$ C \;=\; A \times r_{X \to Y} \times (1 - m) $$

The estimated fee impact F in Y is:

$$ F \;=\; A \times r_{X \to Y} \times m $$

Glossary of Variables

  • Amount (A): The quantity in your source currency to convert.
  • From currency (X): The currency you have.
  • To currency (Y): The currency you want to receive.
  • Mid-market rate (rX→Y): The neutral reference rate with no markup.
  • Provider margin (m): Percentage markup applied by providers; reduces the received rate.
  • Adjusted rate: Effective rate after margin, rX→Y × (1 − m).
  • Converted amount (C): Final amount in Y after applying the adjusted rate.
  • Fee impact (F): Reduction in Y due to the applied margin.
  • Rates date: The ECB reference date used for the computation.

Worked Example

How It Works: A Step-by-Step Example

Suppose you convert A = 100 EUR to USD with m = 1%. Since ECB’s base is EUR, r_EUR→EUR = 1 and assume r_EUR→USD = 1.08. Then the cross-rate r_EUR→USD is 1.08 and:

Mid conversion: 100 × 1.08 = 108 USD.

Adjusted rate: 1.08 × (1 − 0.01) = 1.0692.

Converted amount: C = 100 × 1.0692 = 106.92 USD.

Fee impact: F = 100 × 1.08 × 0.01 = 1.08 USD.

Frequently Asked Questions (FAQ)

Do you support historical exchange rates?

Yes. Use the Rate date field; the closest available ECB business day will be used automatically.

Why might my bank’s rate differ?

Banks and cards often add a margin to the mid rate. Use the Provider margin slider to simulate this effect.

How many currencies are supported?

All ECB-published currencies available via frankfurter.app are supported, including major and several minor currencies.

Is the converted amount guaranteed?

No. This tool provides reference values. Actual rates vary by provider, timing, fees, and liquidity.

What happens if there is no internet connection?

The tool will try to use the last cached rates from your browser and indicate that a fallback was used.

Can I copy and share the result?

Yes. Use the Copy results button to place a summary on your clipboard.

Strumento sviluppato da Ugo Candido. Contenuti verificati da CalcDomain Editorial Team.
Ultima revisione per l'accuratezza in data: .

Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}}\]
r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}}
Formula (extracted LaTeX)
\[C \;=\; A \times r_{X \to Y} \times (1 - m)\]
C \;=\; A \times r_{X \to Y} \times (1 - m)
Formula (extracted LaTeX)
\[F \;=\; A \times r_{X \to Y} \times m\]
F \;=\; A \times r_{X \to Y} \times m
Formula (extracted text)
Let EUR-based rates be r_EUR→X and r_EUR→Y. The cross-rate from X to Y is: $ r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}} $ Given an amount A in currency X and a provider margin m (e.g., 0.01 for 1%), the converted amount C in Y is: $ C \;=\; A \times r_{X \to Y} \times (1 - m) $ The estimated fee impact F in Y is: $ F \;=\; A \times r_{X \to Y} \times m $
Variables and units
  • No variables provided in audit spec.
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn
]], displayMath: [['\\[','\\]']] }, svg: { fontCache: 'global' } };

Currency Converter

Convert currencies instantly using authoritative ECB reference rates. Designed for travelers, finance professionals, and online shoppers, this converter supports historical dates and lets you simulate real-world provider markups for accurate budgeting.

Results

Converted amount
—
Mid-market rate
—
Adjusted rate (with margin)
—
Estimated fee impact
—
Rates date used
—

Data Source and Methodology

Authoritative Data Source: European Central Bank (ECB), Euro foreign exchange reference rates (EXR), updated on TARGET business days. Official page: https://www.ecb.europa.eu/stats/eurofxref/. API used: frankfurter.app (mirrors ECB rates with CORS support).

Tutti i calcoli si basano rigorosamente sulle formule e sui dati forniti da questa fonte.

Notes: ECB quotes are mid-market reference rates with EUR as base. For conversions between two non-EUR currencies, the tool computes a precise cross-rate. Historical requests automatically roll to the latest available business day if a holiday/weekend is chosen.

The Formula Explained

Let EUR-based rates be r_EUR→X and r_EUR→Y. The cross-rate from X to Y is:

$$ r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}} $$

Given an amount A in currency X and a provider margin m (e.g., 0.01 for 1%), the converted amount C in Y is:

$$ C \;=\; A \times r_{X \to Y} \times (1 - m) $$

The estimated fee impact F in Y is:

$$ F \;=\; A \times r_{X \to Y} \times m $$

Glossary of Variables

  • Amount (A): The quantity in your source currency to convert.
  • From currency (X): The currency you have.
  • To currency (Y): The currency you want to receive.
  • Mid-market rate (rX→Y): The neutral reference rate with no markup.
  • Provider margin (m): Percentage markup applied by providers; reduces the received rate.
  • Adjusted rate: Effective rate after margin, rX→Y × (1 − m).
  • Converted amount (C): Final amount in Y after applying the adjusted rate.
  • Fee impact (F): Reduction in Y due to the applied margin.
  • Rates date: The ECB reference date used for the computation.

Worked Example

How It Works: A Step-by-Step Example

Suppose you convert A = 100 EUR to USD with m = 1%. Since ECB’s base is EUR, r_EUR→EUR = 1 and assume r_EUR→USD = 1.08. Then the cross-rate r_EUR→USD is 1.08 and:

Mid conversion: 100 × 1.08 = 108 USD.

Adjusted rate: 1.08 × (1 − 0.01) = 1.0692.

Converted amount: C = 100 × 1.0692 = 106.92 USD.

Fee impact: F = 100 × 1.08 × 0.01 = 1.08 USD.

Frequently Asked Questions (FAQ)

Do you support historical exchange rates?

Yes. Use the Rate date field; the closest available ECB business day will be used automatically.

Why might my bank’s rate differ?

Banks and cards often add a margin to the mid rate. Use the Provider margin slider to simulate this effect.

How many currencies are supported?

All ECB-published currencies available via frankfurter.app are supported, including major and several minor currencies.

Is the converted amount guaranteed?

No. This tool provides reference values. Actual rates vary by provider, timing, fees, and liquidity.

What happens if there is no internet connection?

The tool will try to use the last cached rates from your browser and indicate that a fallback was used.

Can I copy and share the result?

Yes. Use the Copy results button to place a summary on your clipboard.

Strumento sviluppato da Ugo Candido. Contenuti verificati da CalcDomain Editorial Team.
Ultima revisione per l'accuratezza in data: .

Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}}\]
r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}}
Formula (extracted LaTeX)
\[C \;=\; A \times r_{X \to Y} \times (1 - m)\]
C \;=\; A \times r_{X \to Y} \times (1 - m)
Formula (extracted LaTeX)
\[F \;=\; A \times r_{X \to Y} \times m\]
F \;=\; A \times r_{X \to Y} \times m
Formula (extracted text)
Let EUR-based rates be r_EUR→X and r_EUR→Y. The cross-rate from X to Y is: $ r_{X \to Y} \;=\; \frac{r_{\mathrm{EUR}\to Y}}{r_{\mathrm{EUR}\to X}} $ Given an amount A in currency X and a provider margin m (e.g., 0.01 for 1%), the converted amount C in Y is: $ C \;=\; A \times r_{X \to Y} \times (1 - m) $ The estimated fee impact F in Y is: $ F \;=\; A \times r_{X \to Y} \times m $
Variables and units
  • No variables provided in audit spec.
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn