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Terms & Conditions — AI Advice
1. Informational Purpose Only
AI financial advice by 1Utility is for general informational and educational purposes only.
2. No Fiduciary Relationship
Use of this tool does not create a financial advisor–client relationship.
3. Accuracy Disclaimer
Calculations are estimates based on inputs provided. Always consult a qualified professional.
Privacy Policy
Last Updated: June 2026
1. Information We Collect
We do not directly store personal information. All calculations are performed locally in your browser.
2. Google Analytics & AdSense
We use Google Analytics and Google AdSense, which may use cookies to show personalized ads. Google's Privacy Policy.
About 1Utility
1Utility is a free collection of 40+ online calculators for finance, health, academics, and salary planning — no sign-up, calculations run locally in your browser.
Convert between 20+ world currencies using live mid-market exchange rates — the same baseline rate you'll see quoted in financial news, before any bank or card spread is added.
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Mid-market rate vs what you actually pay
The "live rate" this tool shows is the mid-market rate — the midpoint between what banks buy and sell a currency for, with no markup. It's the fairest reference rate, but it isn't what you'll get at a bank counter or on a card transaction. Banks and card networks typically add a 1%–3% spread on top, and airport currency counters often add far more.
Getting closer to the real rate when you actually convert money
If you're sending money abroad or spending while travelling, providers like Wise or a multi-currency card tend to charge close to the mid-market rate with a small transparent fee, rather than baking a hidden margin into the exchange rate itself. Comparing the rate you're quoted against this calculator's live mid-market figure is a quick way to see exactly how much spread you're being charged.
Frequently Asked Questions
Why is the rate I get from my bank different from this calculator?
This tool shows the mid-market rate with zero markup. Banks, card networks, and exchange counters add their own spread on top — typically 1%–3%, sometimes more — which is built into the rate they quote you, not shown as a separate fee.
How often do the rates update?
Rates refresh when you load the page and whenever you tap Refresh, pulling live data from a currency-rate API. Mid-market FX rates move continuously throughout the trading day, so a rate checked an hour ago may have shifted slightly.
Can I use this for actual money transfers?
This calculator is for reference and planning — to know roughly what you should expect. For an actual transfer, use a regulated payment provider or your bank, and compare their quoted rate against the mid-market rate shown here to judge the real cost.