Currency Converter
Cross rates for 30 currencies from the ECB’s daily euro reference rates.
Source: European Central Bank (euro foreign exchange reference rates). About the ECB reference rates
Compare with your rate
Enter the rate your bank, card or money changer quoted to see how it compares, or to convert a currency the ECB does not publish.
In all currencies
| Currency | Amount and rate |
|---|
No currency matches that filter.
Results are estimates for general information and planning, not financial advice. Banks and institutions may calculate differently (rounding, fees, rate changes). Confirm figures with your lender or a qualified adviser before deciding.
About the Currency Converter
Convert an amount between the Indian rupee, US dollar, euro, pound and 26 other currencies using the euro foreign exchange reference rates published by the European Central Bank (ECB). The page shows the rate in both directions, the ECB reference date, and the amount in every other currency.
The ECB publishes how many units of each currency one euro buys. A rate between two other currencies — such as US dollar to rupee — is a cross rate that MySmartCoPilot calculates from the two euro rates. The last rates you downloaded are saved on your device, so the converter still works when you are offline; it then tells you which date the rates are from.
Reference rates are for information. Banks, cards and money changers use their own rates and add a margin or fees, so you can also enter the rate you were quoted to see how far it is from the reference rate.
How to use it
- Type the amount and choose the currency you have (From) and the one you want (To). Use the swap button to reverse them. You can also write the currency in the box —
€50,$5k,2 lakh rupeesor100 USD to INR— and the menus follow. - Read the converted amount and the rate both ways, for example 1 USD = 96.32472 INR. The reference date and source are shown under the result.
- To check a bank or card rate, open Compare with your rate, tick Use my rate and type the rate you were offered. The difference from the reference rate is shown as a percentage.
- Scroll down to see the same amount in all currencies; type in the filter to find one quickly.
Examples
100 USD → INR
₹9,632.47 · 1 USD = 96.32472 INR (108.1245 ÷ 1.1225)
On that day the ECB published 1 EUR = 108.1245 INR and 1 EUR = 1.1225 USD; the dollar–rupee rate is the ratio of the two.
Offered: 1 USD = 94.00 INR · Reference: 96.32472 INR
You would receive 2.41% fewer rupees than at the reference rate.
Where the rates come from
The ECB euro foreign exchange reference rates are set through a daily concertation between central banks at around 14:10 CET and published at about 16:00 CET on every TARGET working day. There are no new rates on weekends and TARGET holidays, so the most recent working day’s rates apply until the next publication.
MySmartCoPilot downloads the daily rate table from its own server, never sending your amounts anywhere. Rates between two non-euro currencies (for example USD → INR) are cross rates calculated by MySmartCoPilot by dividing one euro rate by the other; they are derived from, not published by, the ECB.
Why your bank’s rate is different
The ECB says its reference rates are published for information purposes only. When you actually exchange money:
- banks, card networks and money changers use their own buy and sell rates, which include a margin;
- cards and remittance services may add a separate foreign-currency fee, and taxes or service charges can apply;
- rates move during the day, while the reference rate is a single daily snapshot.
Entering the rate you were offered under Compare with your rate shows the difference as a percentage, which makes it easy to compare providers.
Currencies included
The ECB publishes 29 currencies against the euro: US dollar, Japanese yen, pound sterling, Swiss franc, Australian, Canadian, New Zealand, Hong Kong and Singapore dollars, Chinese yuan, Indian rupee, Indonesian rupiah, South Korean won, Malaysian ringgit, Philippine peso, Thai baht, Israeli shekel, Turkish lira, Brazilian real, Mexican peso, South African rand and the Czech, Danish, Hungarian, Icelandic, Norwegian, Polish, Romanian and Swedish currencies.
Some currencies often needed in India are not in the ECB set, including the UAE dirham, Saudi riyal, Qatari riyal, Kuwaiti dinar, Omani rial, Nepalese rupee, Bangladeshi taka, Pakistani rupee and Sri Lankan rupee. These are listed separately under Not published by the ECB: pick one and enter the rate from your bank or remittance service, and the converter uses that rate. The Bulgarian lev was dropped when Bulgaria adopted the euro on 1 January 2026, and the Russian rouble rate has been suspended since 1 March 2022.
Limitations
- Reference rates are published once per working day; they are not live market rates and not the rate you will get from a bank.
- Reference rates exist only for the 29 currencies published by the ECB and the euro; other listed currencies need a rate you enter.
- Cross rates are rounded to 7 significant digits for display; amounts use each currency’s usual decimal places.
Privacy
The amounts and any rate you type stay in your browser. The page downloads the daily rate table from MySmartCoPilot’s own server (/api/rates) and keeps the last copy on this device so the converter works offline; nothing you enter is sent.
Frequently asked questions
How often are the exchange rates updated?
Once per TARGET working day, at about 16:00 CET (Frankfurt time). On weekends and TARGET holidays the latest published rates stay in use. The date of the rates is always shown under the result.
Can I use this rate for a transfer or card payment?
No. The ECB publishes these rates for information only, and banks and card providers apply their own rates and fees. Use the result as a fair reference point and ask your provider for the rate that will actually be applied.
Does the converter work offline?
Yes, after you have opened it once with a connection. The last downloaded rates are saved on your device and used when there is no connection, with a notice showing which date they are from.
Can I convert the UAE dirham, Saudi riyal or Nepalese rupee?
Yes, with your own rate. The ECB does not publish these currencies, so they appear in the menus under Not published by the ECB. Choose one and enter the rate from your bank or remittance service under Compare with your rate.
How do I see how much my bank is charging?
Open Compare with your rate, tick Use my rate and enter the rate on your bank’s quote as “1 [from] = … [to]”. The tool shows how many per cent better or worse it is than the reference rate.