💱 Currency Converter Live Rates

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🌍 Multi-Currency Conversion

Enter an amount and see its value in major world currencies.

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💳 Forex Charges Calculator

Calculate the true cost of currency conversion including bank markups, transaction fees and forex markup.

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📐 Currency Conversion Guide

Basic Conversion

Converted Amount = Amount × Exchange Rate Exchange Rate (USD/INR = 84) means: 1 USD = 84 INR To convert USD to INR: 100 USD × 84 = 8,400 INR To convert INR to USD: 8,400 INR / 84 = 100 USD OR: 8,400 × (1/84) = 100 USD Cross rate (EUR to JPY via USD): EUR/USD = 1.08, USD/JPY = 149 EUR/JPY = 1.08 × 149 = 160.92

Forex Charges Calculation

Mid-market Rate: The "true" exchange rate (average of buy and sell rates) Bank/Service Rate = Mid-rate × (1 + Markup%) Total Cost = (Amount × Markup%) + Flat Fee + GST on markup (18% in India) Example: Convert USD 1,000 to INR Mid-rate: 84.00 Bank rate: 84 × 1.025 = 86.10 (2.5% markup) You get: 1,000 × 84 = 84,000 INR (mid-rate) You actually get: 1,000 × 86.10 = 86,100? NO Wait — bank buys USD at their rate: You get: 1,000 × (84 / 1.025) = 81,951 INR Loss to markup: 2,049 INR

Cheapest Ways to Exchange Currency

Ranking by effective rate (best to worst): 1. Wise / Revolut / Niyo / FXKART — near mid-rate 2. Airport forex counters (pre-order online) 3. Major bank forex cards (2-3% markup) 4. Credit cards (3-5% forex + cross currency charge) 5. Airport counters (walk-in) — 4-8% markup 6. Hotel exchanges — 8-15% markup (avoid!) For India: RBI Reference Rate: Published by RBI daily FBIL Rate: Used for TT (telegraphic transfer) Card rates: Bank rate + Forex markup 1.5-3.5%

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