Exchange Rates: Mid-Market, Spread and What Your Bank Charges
What the mid-market rate is, how a 'no fee' transfer charges you 3%, and how to work out what a conversion actually cos…
Currency Calculator
Convert between major currencies using a rate you supply or the live rate your bank quotes, and see the effective cost after a spread.
Converted amount
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How to use the Currency Calculator
- Fill in each field with your own figures — the defaults are only there as an example.
- The result updates as you type, so there is no button to press.
- Check the breakdown under the main result for the supporting numbers.
- Use the copy button to take the result with you, or share the link to reload the same inputs.
Currency Calculator — frequently asked questions
Why is my bank's rate different?
Retail rates include a spread over the interbank mid-market rate, typically 0.5–3%. Compare the rate you were offered with the mid-market rate to see the real fee.
Is this currency calculator free to use?
Yes. Every calculator on the site is free, needs no sign-up, and runs entirely in your browser, so your figures never leave your device.
How accurate is the result?
The maths is exact for the formula shown on the page. Accuracy in the real world depends on your inputs and on assumptions the formula cannot see, so treat the output as a well-grounded estimate rather than a quote.
Can I use it on my phone?
Yes. The page is responsive, weighs a few kilobytes and works offline once loaded, so it behaves the same on a phone as on a desktop.
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About this calculator
Written and reviewed by The Samsung Calculator editorial team. Every calculator is written against a published formula, reviewed against at least one independent reference implementation, and dated when it changes.
Last reviewed August 15, 2026 · Calculation runs client-side · No data collected · Report an error