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GivenTool

Currency converter

Convert between 36 currencies with European Central Bank reference rates, plus the official fixed pegs for the UAE dirham, Saudi riyal and other Gulf currencies.

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Type an amount, pick two currencies and the converter shows the result, the exchange rate both ways and the date of the rates. Market rates are the euro foreign exchange reference rates published by the European Central Bank (ECB) on working days at about 16:00 Central European Time, loaded through the free Frankfurter API. Every rate is fetched against the US dollar, and cross rates are calculated through it: rate(A → B) = (B per dollar) ÷ (A per dollar).

The ECB does not publish rates for the UAE dirham, Saudi riyal, Qatari riyal, Omani rial, Bahraini dinar or Jordanian dinar. These currencies are pegged to the US dollar by their central banks, so the converter uses the official pegs and labels them “fixed peg”: USD 1 = AED 3.6725, SAR 3.75, QAR 3.64, BHD 0.376 and JOD 0.709, and OMR 1 = USD 2.6008. So 1,000 US dollars are 3,672.50 dirhams, and AED to INR is worked out as the ECB dollar–rupee rate divided by 3.6725. Conversions between the dollar and pegged currencies keep working even if the live rates cannot be loaded.

These are mid-market reference figures for information. Banks, card issuers, remittance services and exchange houses add a margin or a fee, so the amount you actually receive will be lower; compare the rate they quote with the one here to see their mark-up. Rates are loaded once and cached while the page is open, and you can pick a past date to see the ECB rates for that day.

How to use it

  1. Enter the amount to convert.
  2. Choose the currency you have and the currency you want; use the swap button to reverse them.
  3. Read the converted amount, the rate in both directions and whether it comes from the ECB or a fixed peg.
  4. Optionally pick a past date to use that day’s ECB rates.

Frequently asked questions

Where do the exchange rates come from?

From the European Central Bank’s daily euro reference rates, served by the open-source Frankfurter API. They are updated once each working day around 16:00 CET; at weekends and on TARGET holidays the latest rates are from the previous working day, and the converter shows that date.

Why is the AED, SAR or QAR rate marked “fixed peg”?

The ECB does not publish those currencies. The UAE dirham, Saudi riyal, Qatari riyal, Omani rial and Bahraini dinar are pegged to the US dollar by law or central-bank policy, and the Jordanian dinar is held at 0.709 per dollar in practice. The converter uses those official rates and derives every other pair through the dollar.

Why does my bank give me a different rate?

Reference rates are mid-market figures with no margin. Banks and exchange houses buy and sell at spreads around them, often 1 to 3% for cash and remittances, and cards may add a foreign transaction fee. Use the converter to see how far the quoted rate is from the reference.

Which currencies are supported?

The US dollar, the six pegged currencies above and the 29 currencies in the ECB reference set used here, including the euro, pound, Indian rupee, Japanese yen, Chinese yuan, Swiss franc, Canadian and Australian dollars, Turkish lira, Philippine peso and South African rand. Currencies the ECB does not cover, such as the Egyptian pound, Pakistani rupee and Kuwaiti dinar, are not included rather than shown with unreliable rates.

Does it work offline?

The market rates need an internet connection. If they cannot be loaded, the converter says so and still converts between the US dollar and the pegged Gulf currencies and Jordanian dinar, whose rates are fixed.

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