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KazamTools

Currency Converter

Convert between 47 currencies at today’s reference rate, with the inverse rate and a table of common amounts.

By , Founder and editor-in-chiefLast reviewed

USD

Loading today’s exchange rate…

Rates are mid-market reference rates for information only. Banks, exchange companies and money-transfer apps add a margin or fee, so the rate you are offered will be lower.

Next: work out zakat on your savings, value jewellery with the gold price calculator, or compare costs with the inflation calculator.

How to use the Currency Converter

  1. 1Type the amount you want to convert.
  2. 2Pick the currency you have in From and the one you want in To.
  3. 3Read the converted amount, the rate and the inverse rate. Tap Swap to convert the other way.
  4. 4Check the table of common amounts, and note the rate date and source shown under the result.

How the currency converter works

Every rate is stored as “units of a currency per 1 euro”. To convert between any two currencies, the converter divides one euro rate by the other. This is called a cross rate.

1 A = (B per euro) ÷ (A per euro) B
Amount in B = amount in A × cross rate

The inverse rate is simply 1 divided by the cross rate. The box under the result shows the exact sum for the pair you picked, and the two tables list common amounts in both directions.

Where the rates come from

  • European Central Bank (ECB). The ECB publishes euro reference rates for about 30 major currencies, including the US dollar, British pound, Indian rupee, Canadian and Australian dollars, yen and yuan. They come out once each working day at about 16:00 Central European Time.
  • currency-api. The ECB does not publish rates for the Pakistani rupee, UAE dirham, Saudi riyal and some other currencies. These come from the open-source currency-api daily feed. Its rates are quoted per US dollar, and the converter links them to the ECB’s dollar rate.

Because those currencies are linked through the dollar, a pair like USD to AED or AED to PKR uses only the market feed, and fixed pegs stay exact. A pair like GBP to PKR uses both sources. The line under the result names each source and its date.

We check for new rates several times a day and keep the last good set if a source is down. Nothing you type is sent anywhere: the page downloads the same rate table for everyone and does the maths in your browser.

Worked examples

US dollars to Pakistani rupees. Suppose the market feed says 1 US dollar is 280.50 rupees. A freelancer paid $1,250 is owed 1,250 × 280.50 = Rs 350,625 at the mid-market rate. If the bank’s rate is 278.00, they receive Rs 347,500. That gap of Rs 3,125 is the hidden cost of the exchange.

Dirhams to rupees. The dirham is pegged at 3.6725 per US dollar. At 280.50 rupees per dollar, 1 dirham is 280.50 ÷ 3.6725 = 76.38 rupees, so a transfer of AED 2,000 is worth about Rs 152,757.

Pounds to dollars through the euro. If 1 euro = 1.1133 US dollars and 1 euro = 0.83785 pounds, then 1 pound = 1.1133 ÷ 0.83785 = 1.3288 dollars. £500 is about $664.38.

(These numbers only show the method. The converter above uses today’s rates.)

Reference rate vs the rate you are offered

The converter shows a mid-market rate: the midpoint between buying and selling prices. Nobody sells currency at exactly that rate. Here is where the difference usually comes from:

Where you change money Typical cost on top of the mid-market rate
Specialist money-transfer app 0.3–2% margin, sometimes a small fixed fee
High-street bank transfer 2–4% margin plus a transfer fee
Card abroad (no foreign fee card) Close to the card network rate
Card abroad (standard card) About 3% foreign transaction fee
Airport or hotel cash counter Often 5–10% or more

These ranges are rough guides, not quotes. Always compare the final amount the recipient gets, because a provider with “zero fees” can still charge through a weaker rate. If a card machine abroad offers to charge you in your home currency, say no and pay in the local currency.

Tips

  • Weekend rates. The ECB does not publish on weekends or TARGET holidays, so Friday’s rate stays in place until Monday.
  • Open market vs interbank. In Pakistan, Bangladesh and some other countries, cash dealers quote an open market rate that can be a few units away from the interbank rate. Ask your dealer for both their buying and selling rate.
  • Pegged currencies. The UAE dirham (3.6725), Saudi riyal (3.75), Qatari riyal (3.64), Omani rial (0.3845) and Bahraini dinar (0.376) are fixed to the US dollar, so their rates against the dollar barely move.
  • Three-decimal currencies. The Kuwaiti dinar, Bahraini dinar, Omani rial and Jordanian dinar have 1,000 minor units, so amounts show three decimals.
  • Official uses. For tax returns, customs and contracts, use the official rate your tax authority or contract names, not this converter.

Planning to give charity from savings held in more than one currency? Convert them here, then use the zakat calculator. To price gold bought abroad, use the gold price calculator. For Gulf end-of-service pay, see the UAE gratuity calculator, and for salaries paid in Pakistan, the Pakistan salary tax calculator.

Popular currency pairs

Each page has the converter preset to the pair, plus notes on pegs, remittances and fees for that route.

Cite this converter

Using this converter in an essay, report or article? Copy a ready-made reference. Check your teacher's or publisher's style guide for small differences.

APA
KazamTools. (2026, October 28). Currency converter. Retrieved October 30, 2026, from https://kazamtools.com/finance/currency-converter/
MLA
"Currency Converter." KazamTools, 28 Oct. 2026, https://kazamtools.com/finance/currency-converter/. Accessed 30 Oct. 2026.
Chicago
KazamTools. "Currency Converter." Last modified October 28, 2026. Accessed October 30, 2026. https://kazamtools.com/finance/currency-converter/.
Plain link
Currency Converter (KazamTools): https://kazamtools.com/finance/currency-converter/
HTML link
<a href="https://kazamtools.com/finance/currency-converter/">Currency converter</a> by KazamTools

Frequently asked questions

Where do the exchange rates come from?

Euro, US dollar, pound, rupee (INR) and 25 other major rates are the European Central Bank’s daily euro reference rates. Currencies the ECB does not publish, such as PKR, AED and SAR, come from the open-source currency-api daily feed. The source and date are shown under every result.

Is this the rate my bank or exchange company will give me?

Usually not. These are mid-market reference rates. Banks, exchange houses and transfer apps add a margin (often 1–4%) and sometimes a fixed fee, so compare the amount the recipient actually gets.

How often are the rates updated?

The ECB publishes once each working day at about 16:00 Central European Time, and the market feed updates about once a day. We check for new rates several times a day. Weekend and holiday rates stay at the last published value.

How is a cross rate like AED to PKR worked out?

Every rate is stored per euro, so 1 AED = (PKR per euro) ÷ (AED per euro). For currencies quoted against the dollar, the dollar cancels out, so pegs such as 3.6725 AED per US dollar stay exact.

Why does the open market rate in Pakistan differ from this rate?

Cash dealers in the open market set their own buying and selling prices, which can sit a few rupees away from the interbank rate. Use this converter as a reference and ask your dealer for their buying and selling rate.

Can I use these rates for tax returns or contracts?

No. Tax authorities and contracts usually name an official rate, such as a central bank rate on a set date. Use that rate for legal or tax figures, and this converter for quick estimates.

How we keep this tool accurate

Written and checked by
Awais, founder and editor-in-chief
Last reviewed

Sources

Results are estimates for general information only and are not financial, tax or legal advice. Rules and rates change; check official sources or a qualified professional before you act. See how we build and check our calculators.

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