Why is my card rate different from the market rate?

Cards, banks, PayPal, cash exchange offices, and money transfer services may add fees or spreads on top of the mid-market exchange rate.

Can I use this converter for tax or legal decisions?

No. GlobalCalc provides estimates for informational purposes only. Always verify important financial, tax, or customs decisions with official sources.

Trusted • Accurate • Global

Smart Currency Conversion

Q: Where do GlobalCalc exchange rates come from?

GlobalCalc uses public European Central Bank data through the Frankfurter API. Rates are indicative and may differ from banks, cards, or payment providers.

Real-time exchange rates. Accurate conversions. Global confidence.

Currency Converter

•

Real-time Rates

Live data from ECB Frankfurter API

Live

Secure & Reliable

No account required. Your history stays local.

Privacy first

Global Coverage

Major world currencies and import tools

30+ currencies

Always Updated

Cached rates with clear update status

Up to date

Live Exchange Rates

View all rates ->

Currency converter FAQ

Where do GlobalCalc exchange rates come from?

Rates come from public European Central Bank data through the Frankfurter API. They are useful estimates and can differ from your bank or card provider.

Why do payment methods show different totals?

Most providers add a spread or fee to the market rate. GlobalCalc compares common options such as cards, bank transfers, PayPal, Wise, Revolut, Western Union, and cash exchange.

What should I check before paying internationally?

Check the provider fee, card foreign transaction fee, exchange spread, and whether the seller offers dynamic currency conversion. Paying in the seller's currency is often cheaper.