Convert USD, EUR, GBP, INR, JPY and CAD using the latest available reference exchange rates.
Enter an amount, choose the currency you are converting from and the currency you want to receive, then select Convert. IQlator shows the converted amount, the reference exchange rate and the date or time basis returned by the rate service. Use Swap to reverse the currency pair instantly.
Foreign-exchange rates move throughout the day. A reference market rate can differ from the rate offered by a bank, credit card, ATM, airport exchange desk or money-transfer provider. Providers may add a currency-conversion markup or a separate transaction fee, so the amount you actually receive can be lower than the calculator estimate.
The basic calculation is converted amount = amount × exchange rate. For example, if the reference rate is 0.85 EUR for 1 USD, then 100 USD converts to an estimated 85 EUR before provider fees or markups.
IQlator requests the latest rate available from its rate service when you convert. The returned rate can still differ from the rate a bank, card network or transfer provider applies to a transaction.
Your card issuer or network may apply a foreign-transaction fee or exchange-rate markup. Check the card's pricing and transaction details for the actual cost.
It is the difference between a reference exchange rate and the rate a provider gives a customer. A larger markup generally means you receive less of the destination currency.
Yes. It can provide a quick estimate for hotels, meals, shopping and other travel costs, but allow for rate changes and provider fees.
After calculating, continue with a what-if question. Compare amounts, estimate the effect of a fee or markup, or ask for an explanation of the result.
Important: Currency results are estimates for informational purposes. Verify the final rate and fees with your bank, card issuer or transfer provider before an important transaction.
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If the reference rate is 0.85 EUR for 1 USD, converting $100 produces an estimated €85 before any provider markup or transaction fee. A bank, card network, ATM or money-transfer service may use a different rate, so use the result as a reference estimate rather than a guaranteed settlement amount.
| Step | Example | Meaning |
|---|---|---|
| Amount | 100 USD | Starting currency amount |
| Reference rate | 0.85 EUR/USD | Illustrative market/reference rate |
| Estimated conversion | 85 EUR | Before provider fees or markup |
For exchange-rate and consumer context, see the Federal Reserve H.10 foreign exchange rates, CFPB credit-card consumer resources, and Office of the Comptroller of the Currency consumer resources.
Card networks and issuers may use a different processing-time rate and may add foreign-transaction fees or other charges. Compare the provider’s disclosed rate and fees with the reference conversion.
Use the result to compare scenarios and verify decision-critical figures with the relevant provider, official document or qualified professional.
