MyHolidayCost / Currency Converter Live Rates

Currency Converter Live Rates

Live exchange rates plus what your money actually buys at your destination. See the real cost difference between a fee-free card and an airport bureau.

Live Currency Converter
Mid-market rates updated daily via ExchangeRate-API
Why the rate you see here differs from what you get at the airport
The mid-market rate is the real, fair exchange rate. Banks, bureaux and airport kiosks mark this rate up to make their profit. The difference between a fee-free travel card and an airport bureau can be 10 percent or more.
·
·
·
Mid-market rate
·
The fair rate with no fees
Fee-free card (Wise etc)
·
Approximately 0.5% fee
Typical bank card
·
Approximately 2.5% fee
Airport bureau
·
Approximately 8 to 12% markup
Get the mid-market rate when you spend abroad
Wise, Starling and Revolut all offer near-zero fees on foreign currency transactions.
Compare fee-free travel cards
Related calculators
Trip Cost Estimator → Daily Budget Calculator → Hotel Cost Comparer →

Common questions

What is the mid-market exchange rate?
The mid-market rate is the midpoint between the buy and sell prices for a currency pair. It is the real exchange rate you see on Google and financial news. Banks and currency providers mark it up to generate profit, so you will always receive slightly less than the mid-market rate unless you use a genuinely fee-free service such as Wise.
Should I exchange currency before or after I travel?
For most destinations, using a fee-free card and withdrawing cash from local ATMs gives the best rate. If you prefer to carry cash, ordering from a reputable online bureau before you travel consistently beats airport rates. Never exchange at the airport departure lounge unless it is genuinely unavoidable.
What is dynamic currency conversion and should I accept it?
Dynamic currency conversion is when a card machine abroad offers to charge you in your home currency rather than the local one. It sounds convenient but always applies a poor exchange rate, typically 3 to 5 percent worse than paying in local currency. Always choose to pay in local currency and let your card handle the conversion.