Rechnerpilot Calculator
Currency converter
Convert amounts between the euro and 30 world currencies using the daily euro reference rates of the European Central Bank - with a visible rate date and source, without fees or surcharges.
Explanation
How Currency converter works
The currency converter converts an amount into another currency using the daily euro reference rates of the European Central Bank. You choose the source and target currency and enter the amount; the result shows the converted amount, the rate used, as well as the rate date and the source.
Conversion via the euro
Conversiontarget amount = amount ÷ rate(source currency per euro) × rate(target currency per euro)All reference rates are given as units per one euro; the conversion therefore always runs via the euro.
Practice
Practical examples
For illustration only – your own calculation is what counts.
Convert euros into US dollars
100 euros are to be converted into US dollars at a reference rate of 1 EUR = 1.0856 USD.
Result: At this rate, 100.00 EUR comes to roughly 108.56 USD. The exact amount depends on the current daily ECB reference rate.
Convert US dollars into euros
250 US dollars are to be converted into euros at a reference rate of 1 EUR = 1.0856 USD.
Result: At this rate, 250.00 USD comes to roughly 230.29 EUR (250 / 1.0856). The current daily rate is decisive.
Foreign currency to foreign currency via the euro
1,000 Swiss francs are to be converted into British pounds at rates of 1 EUR = 0.9412 CHF and 1 EUR = 0.8380 GBP.
Result: Via the euro: 1,000 CHF / 0.9412 x 0.8380 ≈ 890.4 GBP. Every cross conversion runs through the euro as a bridge.
- Bank rate expected
The reference rate is confused with the rate that the bank or card provider actually charges.
Understand the reference rate as neutral orientation and additionally factor in fees and the provider's margin.
- Direction swapped
The source and target currency are swapped, so the conversion runs in the wrong direction.
Check which currency you have (From) and which one you want to receive (To).
- Rate date ignored
The result is assumed to be current for the day, even though on weekends the last official rate applies.
Note the rate date shown with the result, especially on weekends and public holidays.
FAQ
Frequently asked questions
Which rates does the currency converter use?
It uses the daily euro reference rates of the European Central Bank. These are published on every TARGET business day at around 16:00 CET and serve as an official, neutral benchmark - not as a tradable price.
How current are the rates?
The rates are updated once per business day, as soon as the ECB has published them. On weekends and public holidays, the most recently published official rate continues to be shown. The rate date is always displayed with the result.
Will I get this rate at my bank?
No. Banks, exchange offices and card providers use their own buy and sell rates and add fees or margins. The reference rate is a neutral mid-market rate for orientation, not an offer.
How are two foreign currencies converted?
Always via the euro as a bridge: the amount is first converted mathematically into euros and then into the target currency. Since both rates share the same reference date, the result is consistent.
Which currencies are included?
The euro and the roughly 30 currencies for which the ECB publishes daily reference rates - including the US dollar, British pound, Swiss franc, Japanese yen and many others.
Are fees or surcharges included?
No. The converter shows the pure conversion at the reference rate without exchange fees, foreign transaction charges or margins. Your actual costs are usually higher.
What happens if the rates cannot be retrieved?
In that case the most recently retrieved official rates are shown and the corresponding rate date continues to be displayed. If no rates are available at all, the converter states this instead of inventing a value.
Are the results binding?
No. They are for orientation based on the ECB reference rates. For actual exchange or payment transactions, the terms of your provider are decisive.
- Only the ECB euro reference rates are used; they are neutral mid-market rates without fees and not a tradable price.
- The rates are updated once per business day; on weekends and public holidays the most recently published official rate applies.
- Not a trading or investment recommendation; for actual exchange transactions, the terms of your provider are decisive.
Sources
Sources and references
- Euro-Referenzkurse (Euro foreign exchange reference rates)Europäische Zentralbank (EZB)
Official daily euro exchange rates for around 30 currencies, published on every TARGET business day at around 16:00 CET.
View sourceRetrieved: 08/24/2026 · Verified on: 08/24/2026 · Primary source - Devisenkurse und Euro-Referenzkurse der EZBDeutsche Bundesbank
Explanations on the origin, character and limits of the ECB euro reference rates as a statistical measure.
View sourceRetrieved: 08/24/2026 · Verified on: 08/24/2026 · Primary source
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