Currency Converter
Convert currencies with dated European Central Bank reference rates from the keyless Frankfurter API. The amount stays local; the page requests only the selected currency pair and optional date from Frankfurter’s public ECB feed.
How to use Currency Converter
- Enter the sum in Amount; it must not be negative.
- Pick the currency you hold in From currency and the one you want in To currency; thirty are listed, from EUR and USD to PKR, INR and BRL.
- Optionally choose a Bank fee / spread simulator value of 1%, 2% or 3% to see what a retail provider might keep; 0% shows the reference rate untouched.
- Fill Historical date (optional) to price the conversion on a past day, or leave it blank for the latest rate, then press "Convert currency".
- Use a Popular pairs button such as USD/PKR for a one-click pair, or "Swap ⇄" to flip the direction of the current pair.
Worked example
Suppose the feed returns 0.9000 for USD to EUR (an invented rate, purely to show the arithmetic). With Amount 250 and the 2% spread option, the effective rate is 0.9000 × 0.98 = 0.8820, so you would receive 220.50 EUR against 225.00 EUR at the reference rate, an estimated fee of 4.50 EUR. Real results use the live ECB rate and date.
When to use this tool
- Estimating how much a foreign freelance payment will be worth after a typical 2% bank margin.
- Looking up the reference rate on the date of a past purchase for an expense report.
- Comparing a travel budget across several pairs using the Popular pairs shortcuts.
Important limitations
ECB reference rates are informational and update on business days. Banks and card providers add spreads and fees, so this is not a transaction quote.
Comparing alternatives
Other options for currency converter include XE, Wise, OANDA.
ToolkitPoint is not affiliated with those services.
Frequently asked questions
Where do the exchange rates come from?
Rates are European Central Bank reference rates fetched from the Frankfurter feed for the selected pair. The result prints the ECB reference date, so you can see how fresh the figure is. It is a published benchmark, not a live dealing price.
Does the tool work offline?
No. Unlike most calculators here, each conversion makes a request for the pair and optional date, so it needs a connection. If the pair or date has no rate, an error message is shown instead of a guessed number.
What does the spread simulator actually do?
It multiplies the reference rate by one minus your chosen percentage, then lists the estimated fee in the target currency and the effective rate. It is a rough model of retail margins, not a quote from any provider.
Why is my chosen date shown differently in the result?
The reference feed publishes on business days, so the date printed in the result is the one attached to the rate returned. Check that line whenever you enter a weekend or holiday date.
Can I use this to settle an invoice?
Only as a benchmark. Banks and card networks apply their own rates and fees, so the amount actually received will differ. Use the simulator to estimate the gap, and confirm the final rate with your payment provider.