What this converter does
A live currency converter that uses mid-market rates from the European Central Bank (ECB) and the National Bank of Poland (NBP). You enter an amount, pick a pair, and see the result at the same reference rate that newspapers and central banks quote, not the rate your bank app shows you.
There is no markup, no spread, no hidden fee added here. We are not a bureau de change, we are a calculator. Use it to know the true exchange-rate value before you talk to any provider.
How to use it
- Pick the "From" currency you have, and the "To" currency you want to convert into. Both menus list more than 30 supported currencies.
- Enter the amount in the "From" field. The result updates as you type, no button to press.
- Use the swap arrows between the two boxes to flip the pair without retyping. Useful when you change your mind about direction.
- Tap a sample pair chip (EUR-USD, USD-PLN, EUR-PLN, GBP-EUR) for an instant one-click conversion of the most-checked pairs.
- Look at the 30-day chart below the result to see the trend. Min, max, and average for the last month are shown next to the chart.
- Note the "As of" timestamp under the rate. Rates update once per business day, so the same number can hold for a while; weekends always show Friday's value.
- For PLN pairs, the source label says NBP. For everything else it says ECB. Pairs that touch neither EUR nor PLN (say GBP-CHF) are computed as a cross-rate through EUR.
When this is useful
Six honest use cases where a mid-market converter beats a bank app:
- Negotiating with a provider: invoice in USD, you pay in EUR. Knowing the mid-market rate tells you what the true value transfer is, so you can spot the markup the payment provider is charging on top.
- Planning a trip: how much will 500 EUR get you in Czech koruna or Thai baht? The chart shows whether the rate has been moving in your favour over the last month, so you know if it is worth waiting a week.
- Reviewing a past payment: your card statement shows a foreign charge with a weird conversion. Compare it against the ECB rate from the same day (look at the chart) to see exactly how much the bank kept.
- Setting a price for cross-border invoicing: freelancers and shops use mid-market rates to set a stable price in a foreign currency that does not bleed margin to FX swings.
- Tracking a currency you hold: PLN-EUR moves every day. The 30-day chart and the average line give you a quick read on whether you should convert now or hold.
- Sanity-checking exotic conversions: GBP-CHF, NOK-SEK, AUD-JPY. Cross-rates via EUR are mathematically exact and far more reliable than whatever a random Google result picks for you.
Related tools: unit converter, inflation calculator, CAGR calculator, loan calculator.
Questions and answers
The mid-market rate is the midpoint between the buy and sell price that big banks quote each other on the interbank market. It is the cleanest reference price for any currency pair: no broker, no bureau, no spread on top. Every bank app and FX provider derives their customer price from this number by adding a markup (the spread). That is why our number will always look slightly better than what your bank shows: you are seeing the wholesale price that the bank itself paid before adding its margin.