Live exchange rates for the most-traded currency pairs, refreshed every minute, plus the European Central Bank's official daily reference rates for 13 currencies. The live table also shows the bid-offer spread - the gap between the buying and the selling price - which is the single best explanation for why the rate your bank gives you is never quite the rate you see in the news.
| Pair | Rate | Change since 00:00 UTC | Bid | Offer | Spread |
|---|---|---|---|---|---|
| EUR/USD | 1.14475 | −0.14% | 1.14473 | 1.14475 | 0.002% |
| GBP/USD | 1.33425 | −0.17% | 1.33425 | 1.33430 | 0.004% |
| EUR/GBP | 0.85800 | +0.03% | 0.85795 | 0.85797 | 0.002% |
| USD/CHF | 0.82023 | −0.17% | 0.82027 | 0.82029 | 0.002% |
| AUD/USD | 0.71099 | −0.08% | 0.71093 | 0.71102 | 0.013% |
Live rates from Kraken, updated 0 min ago. Updates about once a minute.
Mid-market rates for information only. They are not an offer, and the rate a bank or broker would actually give you will differ.
The European Central Bank publishes one reference rate per currency on each working day, at about 16:00 CET. These are a dated reference, not a live market price.
| Currency | 1 EUR = | 1 USD = |
|---|---|---|
| EUR Euro | 1.0000 | 0.8724 |
| USD US dollar | 1.1463 | 1.0000 |
| GBP Pound sterling | 0.8578 | 0.7483 |
| JPY Japanese yen | 180.1700 | 157.1753 |
| CHF Swiss franc | 0.9393 | 0.8194 |
| CAD Canadian dollar | 1.6099 | 1.4044 |
| AUD Australian dollar | 1.6122 | 1.4064 |
| CNY Chinese yuan | 7.6803 | 6.7001 |
| SEK Swedish krona | 11.2463 | 9.8110 |
| NOK Norwegian krone | 10.8010 | 9.4225 |
| PLN Polish zloty | 4.3480 | 3.7931 |
| TRY Turkish lira | 55.9492 | 48.8085 |
| INR Indian rupee | 109.5805 | 95.5950 |
ECB reference rates for 22 September 2026.
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This page deliberately uses two different sources, because no single one is honest for every currency.
The top table comes from the public order book of the Kraken exchange and is refreshed about once a minute. For each pair you see the last traded rate, the change since 00:00 UTC, the highest price a buyer is currently willing to pay (the bid), the lowest price a seller will accept (the offer), and the gap between them as a percentage (the spread).
Only pairs with a genuinely deep market are listed here. That is a real limit, not a design choice: when we measured the same exchange, EUR/USD had a spread of about 0.002% over more than 70,000 trades in 24 hours, while USD/JPY showed a 2.5% gap between bid and offer on just over 100 trades. A quote from a market that thin would be misleading, so those pairs are left to the reference table instead.
The second table is the European Central Bank's daily reference rates, which the ECB publishes on each TARGET working day at around 16:00 CET. They are a dated reference, not a live price: there is no new rate at weekends or on TARGET holidays, and the date shown above the table is always the ECB's own publication date, never the moment you opened the page.
The rates are published against the euro, so the "1 USD =" column is calculated from them by dividing: if 1 EUR buys 1.1490 USD and 180.70 JPY, then 1 USD buys 180.70 ÷ 1.1490 = 157.27 JPY. This is called a cross rate, and it is how every rate that does not involve the euro on this page is produced.
Banks, brokers and exchange offices do not trade at the mid-market rate. They buy slightly below it and sell slightly above it, and they may add a fixed fee on top. The spread column shows how wide that natural gap is in the wholesale market; what a retail provider adds to it is their margin, and it is usually many times larger. Comparing the rate you were quoted with the rate on this page is the quickest way to see what a transfer really costs you.
These numbers are for information only. They are not an offer, and no rate here is one you can transact at.
Suppose EUR/USD shows a bid of 1.14408 and an offer of 1.14410. The mid-market rate is 1.14409 and the spread is about 0.0017% - roughly two hundredths of a cent on one euro. On a 10,000 EUR transfer, that wholesale spread costs you around 0.20 USD.
Now compare that with a typical retail offer of, say, 1.1210 USD per euro. Against the mid-market rate of 1.14409 that is a difference of 2.0%, or about 230 USD on the same 10,000 EUR - more than a thousand times the wholesale spread. The gap is not the market; it is the provider's margin.
The rates here are wholesale mid-market rates - the price at which banks trade with each other. A bank, broker or exchange office buys below that rate and sells above it, and may charge a fee on top. That difference is their margin and it is normally much larger than the market's own bid-offer spread, which you can see in the spread column.
The bid is the highest price a buyer is currently willing to pay, the offer is the lowest price a seller will accept, and the spread is the gap between them. A narrow spread means a busy, liquid market where prices are reliable; a wide spread means few participants and a quote that should be treated with caution.
Because a live quote is only worth publishing when the market behind it is deep enough. On the exchange we use, EUR/USD trades tens of thousands of times a day with a spread near 0.002%, while pairs involving the yen traded about a hundred times a day with a gap of 1-2.5% between bid and offer. Rather than present such a number as the yen rate, we show yen and the other currencies only in the ECB reference table.
Once per working day. The European Central Bank collects the rates at 14:15 CET and usually publishes them by 16:00 CET on TARGET working days. There is no publication at weekends or on TARGET holidays, so over a long weekend the same rate stays valid for several days. The date above the table always tells you which day's rates you are looking at.
Many tax authorities do accept the ECB reference rates for converting foreign amounts, and some publish their own monthly or yearly rates that must be used instead. Which rate applies depends on your country and your situation, so check the rule that applies to you or ask a tax adviser. We are not tax advisers and this page is not tax advice.
Neither of our sources publishes one: the ECB does not list the rial, and the exchange we use for live prices does not trade it. There is also a large difference between Iran's official rate and the open-market rate, so a single number would be misleading whichever one we picked. We would rather show nothing than show a rate we cannot stand behind.
For information only. This is not financial or tax advice.