Currency Converter at Official ECB Exchange Rates
Type an amount and pick two currencies: the conversion appears as you type, at the reference rate published by the European Central Bank, with the rate date, the three-month trend and an estimate of your bank's fees.
- Official ECB rates
- 45+ currencies
- 90-day chart
- Free, no sign-up
100% private — Everything is processed directly in your browser: your files, voice, and image are never sent to Chatzam's servers.
How do I convert currency?
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Enter the amount
Type the amount in the first field, using a period or a comma for decimals. You can also type in the second field to do the math in reverse.
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Choose the two currencies
Select the currency you're converting from and the one you're converting to. The arrow button swaps them in one click, for example to go from "dollars to euros" to "euros to dollars."
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Read the result and add your fees
The converted amount, the rate in both directions and the rate date appear instantly. Enter your bank's fee to estimate what you'll actually pay.
A clear converter based on verifiable rates
ECB reference rates
The official euro exchange rates published every business day by the European Central Bank, with their date clearly shown.
Pegged currencies
UAE dirham, Saudi riyal, Qatari riyal, CFA franc, CFP franc and Comorian franc: calculated from their official fixed peg.
Several currencies at once
Your favorite currencies list shows the same amount in each one, and a table gives common amounts from 1 to 10,000.
Trends and bank fees
A chart shows the rate over 30, 60 or 90 days, and a field calculates the effect of your bank's exchange markup.
Where do these exchange rates come from?
The rates shown are the euro reference rates published by the European Central Bank (ECB). Every business day, around 4 p.m. Frankfurt time, the ECB publishes the value of one euro in about thirty currencies: US dollar, British pound, Swiss franc, Japanese yen, Canadian dollar, Chinese yuan and more. To convert between two currencies other than the euro, say from dollars to pounds, the calculation goes through the euro: the pound rate is divided by the dollar rate. These rates are published for information purposes: they're market averages taken at a given moment, not a price at which a bank will sell you currency. On weekends and on holidays in the European payment system, no rate is published: the last known rate applies, and its date is always shown under the result.
Dirham, riyal, CFA franc: currencies with a fixed peg
Some currencies don't float: their value is set by an official arrangement. Several are pegged to the US dollar: one dollar is worth 3.6725 UAE dirhams, 3.75 Saudi riyals or 3.64 Qatari riyals, so their conversion follows the dollar rate published by the ECB. Others are pegged to the euro: one euro is worth exactly 655.957 CFA francs, in West Africa (XOF) as well as Central Africa (XAF), so 10,000 CFA francs come to €15.24. A thousand CFP francs (XPF) are worth €8.38, and one euro is worth 491.96775 Comorian francs. On the other hand, the Moroccan dirham, the Algerian dinar, the Tunisian dinar and the Russian ruble aren't published by the ECB: rather than show an approximate rate, the tool lists them as unavailable.
What you'll actually pay: exchange markup and fees
Your bank or currency exchange doesn't use the reference rate: it adds a markup to the rate and often a fee per transaction. For card payments abroad, many US credit and debit cards charge a foreign transaction fee, often around 3% of the amount, while some travel cards charge none: check your card's terms. Example: if €1 is worth $1.10, a €50 restaurant bill comes to $55.00; with a 3% fee, your card is charged about $56.65. Enter that percentage in the field provided and the tool does the math. Abroad, when the card terminal offers to charge you in dollars instead of the local currency, compare before you accept: the merchant's conversion often uses a less favorable rate than your bank's.
Frequently Asked Questions
Are the rates updated in real time?
No: these are the ECB reference rates, published once per business day around 4 p.m. Frankfurt time. They're fine for a travel budget, a quote or an invoice, but market rates move constantly during the day. The rate date is always shown under the result.
Why didn't my bank give me the same amount?
Because it uses its own rate, which includes a markup, and sometimes fixed fees or a per-payment fee. The ECB rate is a neutral benchmark: the gap with your statement is the real cost of the exchange.
How much is 1 US dollar in UAE dirhams or Saudi riyals?
Exactly 3.6725 UAE dirhams and 3.75 Saudi riyals. These pegs are fixed: they don't change from day to day, so their value in euros or pounds simply follows the dollar.
Why are the Moroccan dirham and Algerian dinar grayed out?
The ECB doesn't publish rates for these currencies, and they have no fixed peg to the euro or the dollar. Rather than show you a figure that can't be verified, the tool flags them as unavailable. Check the website of that country's central bank.
Are my amounts and favorite currencies saved?
Only in your browser, so you'll find them on your next visit. The calculations happen on your device: the site only downloads the list of rates published by the ECB, which is the same for everyone.