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LIVE EXCHANGE RATES

Currency Converter
Live Exchange Rates

Convert between 25+ world currencies using live rates from the European Central Bank. Free, fast, no signup required.

Currency Converter

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USD / INR
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What is an Exchange Rate?

An exchange rate is the price at which one currency can be exchanged for another. For example, if the USD/INR rate is 83.94, it means one US Dollar can be converted to 83.94 Indian Rupees. Exchange rates fluctuate constantly based on supply and demand in the global foreign exchange (forex) market — the largest financial market in the world, with over $7 trillion traded daily.

How Currency Conversion Works

To convert an amount from one currency to another, you multiply the amount by the exchange rate. For instance, to convert $100 USD to INR at a rate of 83.94, the calculation is: 100 × 83.94 = ₹8,394. This calculator uses the mid-market rate — the midpoint between the buy and sell prices in the wholesale currency market. Banks and money transfer services add a margin (spread) on top of this, typically 1–4%.

Central Bank Rates

Rates from the European Central Bank (ECB), updated daily on business days. These are benchmark mid-market rates used globally.

Forex Market

The foreign exchange market operates 24 hours a day, 5 days a week across major financial centers: London, New York, Tokyo, Singapore, and Sydney.

What Moves Rates?

Interest rates, inflation, political stability, trade balances, and economic data all drive exchange rate movements. A country's rate hike typically strengthens its currency.

Mid-Market Rate

The mid-market rate (or interbank rate) is the fairest representation of a currency's true value. Retail customers typically get a slightly worse rate due to bank margins.

Popular Currency Pairs

Some currency pairs dominate global trade and are traded in far greater volumes than others. Here are the most actively traded pairs and what drives their movements:

PairNameKey Driver
USD/INRUS Dollar / Indian RupeeRBI policy, India trade deficit, USD strength, oil prices
EUR/USDEuro / US DollarECB vs Fed policy, Eurozone economic data, risk sentiment
GBP/USDBritish Pound / US DollarBank of England policy, UK GDP, Brexit aftermath
USD/JPYUS Dollar / Japanese YenBank of Japan yield curve control, safe haven flows
USD/AEDUS Dollar / UAE DirhamPegged at 3.6725 (fixed rate), oil revenues
AUD/USDAustralian Dollar / US DollarCommodity prices, RBA rate decisions, China trade

Major World Currencies

CodeSymbolCurrency NameCountry / Region
USD$US DollarUnited States
EUREuroEurozone (20 countries)
GBP£British Pound SterlingUnited Kingdom
INRIndian RupeeIndia
AEDد.إUAE DirhamUnited Arab Emirates
SARSaudi RiyalSaudi Arabia
JPY¥Japanese YenJapan
CNY¥Chinese Yuan RenminbiChina
AUDA$Australian DollarAustralia
CADC$Canadian DollarCanada
SGDS$Singapore DollarSingapore
CHFFrSwiss FrancSwitzerland
MYRRMMalaysian RinggitMalaysia
HKDHK$Hong Kong DollarHong Kong
NZDNZ$New Zealand DollarNew Zealand
THB฿Thai BahtThailand
PKRPakistani RupeePakistan
BDTBangladeshi TakaBangladesh
LKRSri Lankan RupeeSri Lanka
MXN$Mexican PesoMexico
BRLR$Brazilian RealBrazil
ZARRSouth African RandSouth Africa
SEKkrSwedish KronaSweden
NOKkrNorwegian KroneNorway
DKKkrDanish KroneDenmark

Frequently Asked Questions

How often do exchange rates update?
This converter uses rates published by the European Central Bank (ECB), which are updated once per business day — typically around 4:00 PM CET. The rates shown here are fetched fresh each time you load or refresh the page. For live intraday rates (tick-by-tick), you would need a paid forex data provider. For most conversion purposes — travel planning, international transfers, price comparisons — daily ECB rates are accurate enough.
What is the mid-market rate?
The mid-market rate (also called the interbank rate or spot rate) is the midpoint between the buy price and sell price of a currency in the wholesale market. It's the rate you see on Google, Reuters, or this tool. Banks and exchange bureaus add a "spread" or margin on top — meaning you'll actually pay a slightly higher rate when buying a currency and receive a slightly lower rate when selling. The spread can range from 0.5% at banks to 5–10% at airport kiosks.
Why is the rate I get at the bank different from this?
This tool shows the mid-market (wholesale) rate, which is the benchmark rate without any markup. Banks, money changers, and remittance services add a margin to make a profit. A bank might offer you 81.50 INR per USD when the mid-market rate is 83.94 — that 2.44 INR difference per dollar is their profit. Online services like Wise or Revolut typically offer rates much closer to the mid-market rate than traditional banks.
Is USD to AED rate fixed?
Yes. The UAE Dirham (AED) has been pegged to the US Dollar since 1997 at a fixed rate of 1 USD = 3.6725 AED. This rate does not change. Similarly, Saudi Riyal (SAR) is pegged at 1 USD = 3.75 SAR. Fixed pegs provide exchange rate stability, which is particularly important for oil-exporting economies that price crude oil in US Dollars.
What drives the USD/INR exchange rate?
The USD/INR rate is influenced by several factors: (1) India's trade deficit — India imports more than it exports, creating consistent demand for USD; (2) Reserve Bank of India (RBI) interventions to stabilize the rupee; (3) Foreign Institutional Investor (FII) flows into Indian equities and bonds; (4) Crude oil prices, since India imports ~85% of its oil needs in USD; (5) US Federal Reserve interest rate decisions, which affect global USD demand; and (6) India's inflation differential relative to the US.
How do I send money internationally at the best rate?
To get the best rate for international transfers: (1) Compare rates on services like Wise, Revolut, or Remitly — they typically offer rates much closer to mid-market than banks; (2) Avoid airport exchange kiosks and hotel currency desks; (3) Use local ATMs abroad rather than exchanging cash before travel; (4) For large amounts, consider forward contracts through a specialist FX broker to lock in a favorable rate. Always check the total fee (transfer fee + exchange rate margin) rather than just the headline rate.