Real-Time Currency Converter
Convert 150+ currencies with live exchange rates
Get accurate mid-market rates for travelers, businesses, and investors. No hidden fees, no markups - just the real exchange rate.
Why Use Our Converter
Real-Time Rates
Live exchange rates updated from multiple reliable financial data sources.
150+ Currencies
Convert between USD, EUR, PHP, JPY, and 150+ currencies worldwide.
Mid-Market Rate
See the true exchange rate without hidden markups or fees.
How to Convert Currency
Convert any currency in 4 simple steps with real-time, accurate exchange rates.
Enter Amount
Type the amount you want to convert. Works with any value from pocket money to large transactions.
Select Currencies
Choose your source currency (what you have) and target currency (what you want) from 150+ options.
Instant Conversion
Get immediate results with real-time rates. See the converted amount and current rate.
Compare Rates
Check if your bank or exchange service offers a fair rate compared to the mid-market rate.
Convert Currency
Conversion Result
Popular Currency Pairs
Quick Amounts
Historical Exchange Rates
Pro Tips for Smart Currency Exchange
Monitor Exchange Rate Trends
Check historical charts before exchanging large amounts. A 1-2% difference can save hundreds on big transactions.
Avoid Airport Exchange Counters
Airport rates are typically 5-10% worse than market rates. Save โฑ500-โฑ2,000 per $100 by exchanging elsewhere.
Use Mid-Market Rates for Reference
Our converter shows the real rate. Compare with exchange services to spot hidden fees.
Best Days to Exchange
Mid-week (Tuesday-Thursday) often has better rates. Avoid exchanging during market volatility.
Consider Total Costs
Factor in transfer fees ($0-$50), service charges (1-3%), and receiving bank fees beyond the rate.
Split Large Transactions
For amounts over $10,000, consider splitting over several days to average out rate fluctuations.
Perfect For These Scenarios
Travelers
- Budget planning for international trips
- Converting vacation spending money
- Checking fair rates before exchange
- OFW remittance rate monitoring
Business Owners
- International invoicing and pricing
- Import/export cost calculations
- Foreign supplier payment planning
- Multi-currency profit tracking
Investors & Students
- Forex trading reference rates
- International tuition conversion
- Investment portfolio valuation
- Cross-border savings planning
Need Financial Assistance for OFW Families?
Browse our Tulong Module for 50+ government assistance programs. SSS, Pag-IBIG, OWWA, and more - find programs that can help OFW families in the Philippines.
Free to browse โข OFW-friendly resources โข SSS/Pag-IBIG calculators
โ Frequently Asked Questions
Common questions about currency conversion
Our rates are sourced from multiple reliable financial data providers and cached for optimal performance. We show the mid-market rate - the true exchange rate without markup. This is the same rate you see on Google, XE.com, and Bloomberg. Banks typically add a 1-3% margin on top.
Banks add a markup (called spread) to the mid-market rate to make profit. Our rate: 1 USD = 56.50 PHP (mid-market). Bank rate: ~55.20 PHP (2.3% markup). Online services like Wise: ~56.20 PHP (0.5% markup). Use our converter to negotiate better rates!
Yes! Our rates are accurate for business planning, invoicing, and reference. For official tax reporting, use rates from your central bank (BSP for Philippines). For daily operations like pricing products or converting invoices, our converter is perfect.
We support 150+ currencies including: Major (USD, EUR, GBP, JPY, CNY), Asian (PHP, SGD, THB, MYR, IDR, KRW), Middle East (AED, SAR, QAR), Latin America (MXN, BRL, ARS), Africa (ZAR, NGN, EGP), and popular crypto (BTC, ETH, USDT).
Best Overall: Wise (0.5-1% fees, 1-3 days). Small amounts (<$200): Remitly, WorldRemit. Large amounts (>$10,000): OFX, CurrencyFair. Fastest but expensive: Western Union (3-6% fees). Worst: Bank wire transfers ($25-$50 fees plus poor rates).
Our rates update every 60 seconds during market hours (Monday-Friday, 24/5) and every 5 minutes on weekends. Major pairs can fluctuate 0.1-0.5% daily due to market trading, economic news, and geopolitical events.