🌍 170+ Currencies · Live Rates
Currency Converter
Real-Time Exchange Rates for Every Currency
Convert between any world currencies instantly with live exchange rates. INR to USD, EUR to GBP, JPY to AED — all in one place, free forever.
🇺🇸 USD
🇮🇳 INR
🇪🇺 EUR
🇬🇧 GBP
🇯🇵 JPY
🇦🇪 AED
🇸🇬 SGD
🇦🇺 AUD
🇨🇦 CAD
🇨🇭 CHF
🇸🇦 SAR
🇨🇳 CNY
USD/INR —
EUR/INR —
GBP/INR —
USD/EUR —
Currency Converter — How Exchange Rates Work
Converted Amount = Amount × Exchange Rate
Exchange Rate (A→B) = 1 unit of Currency A expressed in Currency B
Inverse Rate = 1 ÷ Exchange Rate
Example: 1,000 INR × 0.01198 = 11.98 USD
Exchange Rate (A→B) = 1 unit of Currency A expressed in Currency B
Inverse Rate = 1 ÷ Exchange Rate
Example: 1,000 INR × 0.01198 = 11.98 USD
Exchange rates fluctuate every second based on global forex markets. The rates shown here are mid-market rates (the midpoint between buy and sell prices), sourced from the Open Exchange Rates API. Banks and money transfer services typically charge 1–5% above mid-market rates. Knowing the mid-market rate helps you identify a fair deal.
Major Currency Pairs — What Moves Them
| Pair | Key Driver | India Relevance |
|---|---|---|
| USD/INR | US Fed interest rates, crude oil prices, FII flows | Most important pair — India imports oil in USD, IT exports in USD |
| EUR/INR | ECB policy, EU economic data, EUR/USD cross | Exports to Europe, pharmaceutical sector |
| GBP/INR | Bank of England rates, UK economic data | UK diaspora remittances, UK-India trade |
| AED/INR | Oil prices, USD peg (AED pegged to USD at 3.6725) | Large Indian diaspora in UAE; massive remittance corridor |
| SGD/INR | Singapore GDP, MAS policy, Asia risk sentiment | IT sector, Singapore as Asia financial hub |
| JPY/INR | Bank of Japan policy, Japan carry trade unwinding | Japanese FDI in India, electronics imports |
| CNY/INR | PBOC policy, China trade data, US-China tensions | China is India's largest import partner; strategic sensitivity |
| SAR/INR | Oil prices, USD peg (SAR pegged at 3.75) | Gulf remittances — India receives the world's largest remittances |
Currency Converter for Remittances — India's Top Corridors
India receives the highest remittances in the world — over $125 billion annually (World Bank, 2023). Here are the top remittance corridors to India and what to watch for each.
| Corridor | Volume | Best Transfer Method | Typical Spread vs Mid-Rate |
|---|---|---|---|
| UAE → India (AED/INR) | Very High | Wise, Al Ansari, Western Union | 0.5 – 1.5% |
| USA → India (USD/INR) | Very High | Wise, Remitly, ICICI Money2India | 0.3 – 1.0% |
| Saudi Arabia → India (SAR/INR) | High | STC Pay, Western Union, Wise | 0.5 – 2.0% |
| UK → India (GBP/INR) | High | Wise, TransferGo, HSBC | 0.4 – 1.2% |
| Singapore → India (SGD/INR) | Medium | InstaReM, Wise, DBS | 0.3 – 0.8% |
| Australia → India (AUD/INR) | Medium | Wise, OFX, Western Union | 0.5 – 1.5% |
Understanding Mid-Market vs Bank Rate vs Card Rate
| Rate Type | What It Is | Typical Spread | Best For |
|---|---|---|---|
| Mid-Market Rate | Real exchange rate (what this calculator shows) | 0% | Benchmark reference; Wise uses this |
| Bank Transfer Rate | Bank adds markup to mid-market | 2 – 5% | Large transfers (sometimes negotiable) |
| Bank Buy/Sell Rate | Physical currency exchange at bank | 3 – 6% | Emergency cash only |
| Airport Kiosk Rate | Worst rate available | 8 – 15% | Avoid — only for small emergencies |
| Credit Card Rate | Visa/Mastercard rate + bank forex markup | 1 – 3.5% | OK for travel — check your bank's markup |
| Wise / Revolut | Closest to mid-market; transparent fees | 0.35 – 0.9% | Best for regular transfers |
Currency Codes — World's Most Traded Currencies
| Currency | Code | Country/Region | Global Share* |
|---|---|---|---|
| US Dollar | USD | United States | ~88% of all trades |
| Euro | EUR | Eurozone (20 countries) | ~31% |
| Japanese Yen | JPY | Japan | ~17% |
| British Pound | GBP | United Kingdom | ~13% |
| Chinese Renminbi | CNY | China (mainland) | ~7% |
| Australian Dollar | AUD | Australia | ~7% |
| Canadian Dollar | CAD | Canada | ~6% |
| Swiss Franc | CHF | Switzerland | ~5% |
| Indian Rupee | INR | India | ~1.6% |
| UAE Dirham | AED | United Arab Emirates | Pegged to USD |
* BIS Triennial Central Bank Survey (totals exceed 200% as each trade involves two currencies)
Currency Converter Tips — Get the Best Rate
Always check the mid-market rate (this calculator) before any transfer so you can calculate exactly what fee you're paying. The difference between the mid-market rate and what your bank gives you is the hidden fee — and it can be substantial on large amounts.
For transfers to India, Wise consistently offers rates closest to mid-market with transparent fixed fees. For UAE-India corridor, Al Ansari Exchange and Lulu Exchange often beat banks significantly. Always compare at least 2–3 services before a large transfer.
For travel money, your credit card's forex markup matters more than most people realize. Cards like Niyo Global, HDFC Regalia, and ICICI Sapphiro offer zero or near-zero forex markup — use these for international travel spending instead of cash.
Frequently Asked Questions
Why is the exchange rate different from what my bank gives?▾
This calculator shows the mid-market rate — the real exchange rate used by banks when trading with each other. When you exchange money at a bank or airport, they add a markup (typically 1–5%) on top of this rate. That spread is how they profit. The difference between the calculator rate and your bank's rate is the actual fee you're paying, even if it's not shown as a separate line item. Services like Wise charge transparent fees and use the mid-market rate, making the true cost visible.
How often do exchange rates update?▾
Forex markets trade 24 hours, 5 days a week across major financial centers (Sydney → Tokyo → London → New York). Rates technically change every millisecond during market hours. This calculator fetches rates via API and caches them — rates are typically refreshed every 60 minutes. For real-time trading rates, use a dedicated forex platform like MetaTrader. For remittances and travel purposes, hourly rates are more than sufficient — the day-to-day fluctuations matter more than second-to-second changes.
What is USD/INR and why does it matter so much for India?▾
USD/INR is India's most important currency pair for several reasons: (1) India imports over 80% of its crude oil priced in USD — a weaker rupee means higher oil import costs, which feeds directly into inflation. (2) India's IT industry earns revenue in USD — TCS, Infosys, Wipro all benefit when INR weakens. (3) Foreign Institutional Investors (FIIs) move money in and out of India in USD, affecting both the equity market and exchange rate simultaneously. The RBI manages INR through forex intervention to prevent excessive volatility.
Is AED truly pegged to USD? Why does it never change much?▾
Yes. The UAE Dirham (AED) has been pegged to the US Dollar at 3.6725 AED = 1 USD since 1997. This is a hard peg backed by the UAE's substantial foreign exchange reserves (largely from oil revenues). Similarly, Saudi Riyal (SAR) is pegged at 3.75 per USD. Because of these pegs, AED/INR and SAR/INR essentially move in lockstep with USD/INR. If USD/INR rises, AED/INR rises proportionally. This is why checking USD/INR is sufficient for estimating Gulf remittance rates.
What is the best way to send money from USA/UK to India?▾
For USD to INR: Wise (formerly TransferWise) typically offers the closest to mid-market rate with transparent fees. Remitly offers competitive rates for India-specific corridors. ICICI Bank's Money2India is convenient if the recipient has ICICI. For GBP to INR: Wise, TransferGo, and CurrencyFair are competitive. Always check the "recipient gets" amount rather than just the advertised rate — that number accounts for all fees. For amounts above ₹5 lakh, compare OFX and CurrencyFair which charge lower percentages on larger transfers.
Is this currency converter free?▾
100% free, no signup required. Supports 150+ world currencies including all major pairs (USD, EUR, GBP, JPY, AED, SAR, SGD, AUD, CAD, CHF, CNY, HKD, NZD, etc.) and emerging market currencies. Rates are fetched from public forex APIs. The calculator works for any amount — from small travel budgets to large remittance calculations.
Why does my result show "Using offline rates"?▾
If the live API is temporarily unavailable, the calculator falls back to approximate reference rates so you still get a working conversion. These are indicative only. Refresh to try the live API again, or check back in a few minutes. Live rates are always preferred for accuracy.
🌍 170+ Currencies · Live Rates
Currency Converter
Real-Time Exchange Rates for Every Currency
Convert between any world currencies instantly with live exchange rates. INR to USD, EUR to GBP, JPY to AED — all in one place, free forever.
🇺🇸 USD
🇮🇳 INR
🇪🇺 EUR
🇬🇧 GBP
🇯🇵 JPY
🇦🇪 AED
🇸🇬 SGD
🇦🇺 AUD
🇨🇦 CAD
🇨🇭 CHF
🇸🇦 SAR
🇨🇳 CNY
USD/INR —
EUR/INR —
GBP/INR —
USD/EUR —
Currency Converter — How Exchange Rates Work
Converted Amount = Amount × Exchange Rate
Exchange Rate (A→B) = 1 unit of Currency A expressed in Currency B
Inverse Rate = 1 ÷ Exchange Rate
Example: 1,000 INR × 0.01198 = 11.98 USD
Exchange Rate (A→B) = 1 unit of Currency A expressed in Currency B
Inverse Rate = 1 ÷ Exchange Rate
Example: 1,000 INR × 0.01198 = 11.98 USD
Exchange rates fluctuate every second based on global forex markets. The rates shown here are mid-market rates (the midpoint between buy and sell prices), sourced from the Open Exchange Rates API. Banks and money transfer services typically charge 1–5% above mid-market rates. Knowing the mid-market rate helps you identify a fair deal.
Major Currency Pairs — What Moves Them
| Pair | Key Driver | India Relevance |
|---|---|---|
| USD/INR | US Fed interest rates, crude oil prices, FII flows | Most important pair — India imports oil in USD, IT exports in USD |
| EUR/INR | ECB policy, EU economic data, EUR/USD cross | Exports to Europe, pharmaceutical sector |
| GBP/INR | Bank of England rates, UK economic data | UK diaspora remittances, UK-India trade |
| AED/INR | Oil prices, USD peg (AED pegged to USD at 3.6725) | Large Indian diaspora in UAE; massive remittance corridor |
| SGD/INR | Singapore GDP, MAS policy, Asia risk sentiment | IT sector, Singapore as Asia financial hub |
| JPY/INR | Bank of Japan policy, Japan carry trade unwinding | Japanese FDI in India, electronics imports |
| CNY/INR | PBOC policy, China trade data, US-China tensions | China is India's largest import partner; strategic sensitivity |
| SAR/INR | Oil prices, USD peg (SAR pegged at 3.75) | Gulf remittances — India receives the world's largest remittances |
Currency Converter for Remittances — India's Top Corridors
India receives the highest remittances in the world — over $125 billion annually (World Bank, 2023). Here are the top remittance corridors to India and what to watch for each.
| Corridor | Volume | Best Transfer Method | Typical Spread vs Mid-Rate |
|---|---|---|---|
| UAE → India (AED/INR) | Very High | Wise, Al Ansari, Western Union | 0.5 – 1.5% |
| USA → India (USD/INR) | Very High | Wise, Remitly, ICICI Money2India | 0.3 – 1.0% |
| Saudi Arabia → India (SAR/INR) | High | STC Pay, Western Union, Wise | 0.5 – 2.0% |
| UK → India (GBP/INR) | High | Wise, TransferGo, HSBC | 0.4 – 1.2% |
| Singapore → India (SGD/INR) | Medium | InstaReM, Wise, DBS | 0.3 – 0.8% |
| Australia → India (AUD/INR) | Medium | Wise, OFX, Western Union | 0.5 – 1.5% |
Understanding Mid-Market vs Bank Rate vs Card Rate
| Rate Type | What It Is | Typical Spread | Best For |
|---|---|---|---|
| Mid-Market Rate | Real exchange rate (what this calculator shows) | 0% | Benchmark reference; Wise uses this |
| Bank Transfer Rate | Bank adds markup to mid-market | 2 – 5% | Large transfers (sometimes negotiable) |
| Bank Buy/Sell Rate | Physical currency exchange at bank | 3 – 6% | Emergency cash only |
| Airport Kiosk Rate | Worst rate available | 8 – 15% | Avoid — only for small emergencies |
| Credit Card Rate | Visa/Mastercard rate + bank forex markup | 1 – 3.5% | OK for travel — check your bank's markup |
| Wise / Revolut | Closest to mid-market; transparent fees | 0.35 – 0.9% | Best for regular transfers |
Currency Codes — World's Most Traded Currencies
| Currency | Code | Country/Region | Global Share* |
|---|---|---|---|
| US Dollar | USD | United States | ~88% of all trades |
| Euro | EUR | Eurozone (20 countries) | ~31% |
| Japanese Yen | JPY | Japan | ~17% |
| British Pound | GBP | United Kingdom | ~13% |
| Chinese Renminbi | CNY | China (mainland) | ~7% |
| Australian Dollar | AUD | Australia | ~7% |
| Canadian Dollar | CAD | Canada | ~6% |
| Swiss Franc | CHF | Switzerland | ~5% |
| Indian Rupee | INR | India | ~1.6% |
| UAE Dirham | AED | United Arab Emirates | Pegged to USD |
* BIS Triennial Central Bank Survey (totals exceed 200% as each trade involves two currencies)
Currency Converter Tips — Get the Best Rate
Always check the mid-market rate (this calculator) before any transfer so you can calculate exactly what fee you're paying. The difference between the mid-market rate and what your bank gives you is the hidden fee — and it can be substantial on large amounts.
For transfers to India, Wise consistently offers rates closest to mid-market with transparent fixed fees. For UAE-India corridor, Al Ansari Exchange and Lulu Exchange often beat banks significantly. Always compare at least 2–3 services before a large transfer.
For travel money, your credit card's forex markup matters more than most people realize. Cards like Niyo Global, HDFC Regalia, and ICICI Sapphiro offer zero or near-zero forex markup — use these for international travel spending instead of cash.
Frequently Asked Questions
Why is the exchange rate different from what my bank gives?▾
This calculator shows the mid-market rate — the real exchange rate used by banks when trading with each other. When you exchange money at a bank or airport, they add a markup (typically 1–5%) on top of this rate. That spread is how they profit. The difference between the calculator rate and your bank's rate is the actual fee you're paying, even if it's not shown as a separate line item. Services like Wise charge transparent fees and use the mid-market rate, making the true cost visible.
How often do exchange rates update?▾
Forex markets trade 24 hours, 5 days a week across major financial centers (Sydney → Tokyo → London → New York). Rates technically change every millisecond during market hours. This calculator fetches rates via API and caches them — rates are typically refreshed every 60 minutes. For real-time trading rates, use a dedicated forex platform like MetaTrader. For remittances and travel purposes, hourly rates are more than sufficient — the day-to-day fluctuations matter more than second-to-second changes.
What is USD/INR and why does it matter so much for India?▾
USD/INR is India's most important currency pair for several reasons: (1) India imports over 80% of its crude oil priced in USD — a weaker rupee means higher oil import costs, which feeds directly into inflation. (2) India's IT industry earns revenue in USD — TCS, Infosys, Wipro all benefit when INR weakens. (3) Foreign Institutional Investors (FIIs) move money in and out of India in USD, affecting both the equity market and exchange rate simultaneously. The RBI manages INR through forex intervention to prevent excessive volatility.
Is AED truly pegged to USD? Why does it never change much?▾
Yes. The UAE Dirham (AED) has been pegged to the US Dollar at 3.6725 AED = 1 USD since 1997. This is a hard peg backed by the UAE's substantial foreign exchange reserves (largely from oil revenues). Similarly, Saudi Riyal (SAR) is pegged at 3.75 per USD. Because of these pegs, AED/INR and SAR/INR essentially move in lockstep with USD/INR. If USD/INR rises, AED/INR rises proportionally. This is why checking USD/INR is sufficient for estimating Gulf remittance rates.
What is the best way to send money from USA/UK to India?▾
For USD to INR: Wise (formerly TransferWise) typically offers the closest to mid-market rate with transparent fees. Remitly offers competitive rates for India-specific corridors. ICICI Bank's Money2India is convenient if the recipient has ICICI. For GBP to INR: Wise, TransferGo, and CurrencyFair are competitive. Always check the "recipient gets" amount rather than just the advertised rate — that number accounts for all fees. For amounts above ₹5 lakh, compare OFX and CurrencyFair which charge lower percentages on larger transfers.
Is this currency converter free?▾
100% free, no signup required. Supports 150+ world currencies including all major pairs (USD, EUR, GBP, JPY, AED, SAR, SGD, AUD, CAD, CHF, CNY, HKD, NZD, etc.) and emerging market currencies. Rates are fetched from public forex APIs. The calculator works for any amount — from small travel budgets to large remittance calculations.
Why does my result show "Using offline rates"?▾
If the live API is temporarily unavailable, the calculator falls back to approximate reference rates so you still get a working conversion. These are indicative only. Refresh to try the live API again, or check back in a few minutes. Live rates are always preferred for accuracy.