Currency Converter - Rates, Fees & History
Convert 27 currencies with dated institutional rates, calculate the amount received after markup and fees, compare providers, and inspect historical trends.
Currency conversion after fees
Start from the dated reference rate, then model a provider markup and fixed source-currency fee or enter a quoted provider rate.
Compare two currency exchange offers
Enter each quoted rate and fees. Percentage and fixed fees are deducted from the source amount before conversion.
Provider A
Provider B
Historical exchange rate and trend
Convert at a selected past date and compare it with the latest available reference rate. Non-working days may resolve to the nearest available observation.
Reference value and amount received
Calculation breakdown
Reference comparison table
Reference rates are informational and may differ from bank, card, cash, or tradable market rates. Provider cost inputs are estimates unless copied from an actual quote.
Reference rate versus customer rate
A reference rate describes currency value for information and analysis. A bank, card, transfer service, or exchange desk may apply a weaker customer rate, percentage fee, fixed fee, or all three.
Calculate the amount received
Markup mode reduces the reference rate by the entered percentage after subtracting the fixed source-currency fee. Custom mode uses the quoted provider rate directly and still subtracts the fixed fee.
Compare currency exchange providers
A stronger quoted rate does not guarantee the best result when percentage and fixed fees differ. Provider mode calculates the final target amount and effective rate from the same source amount.
Historical exchange rates
Historical mode requests a dated observation and a trend series. Weekends and holidays may have no new institutional fixing, so the returned observation date is displayed next to the result.
Currency conversion formulas
| Metric | Formula |
|---|---|
| Reference conversion | Source amount x reference rate |
| Provider rate after markup | Reference rate x (1 - markup / 100) |
| Amount received | (Source amount - fixed fee) x provider rate |
| Provider offer result | (Amount - amount x percent fee - fixed fee) x quoted rate |
| Effective rate | Target amount received / total source amount |
| Historical rate change | (Historical rate / latest rate - 1) x 100 |
Frequently asked questions
Are these real-time trading rates?
No. Frankfurter tracks daily reference rates from institutional and non-commercial sources. The displayed date is part of every result; use a provider quote for a transaction estimate.
Why does my bank give a different result?
Your bank may use a different rate timestamp and add markup or fees. Enter its quoted rate and costs to model the amount you would actually receive.
What happens if the rate service is unavailable?
The converter restores a dated browser cache when possible, otherwise it uses a clearly dated embedded snapshot for conversion. Historical mode never invents a missing time series.
Can I compare two money-transfer quotes?
Yes. Enter each quoted target-currency-per-source-currency rate, percentage fee, and fixed source-currency fee. The comparison uses the same starting amount.
Data source and limitations
Frankfurter is an open-source API that tracks daily exchange rates from institutional sources. The European Central Bank states that its reference rates are for information and discourages transaction use. Kalkmi displays the pair observation date and does not label these values as executable market quotes.
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