Where do the exchange rates come from?

They are a frozen snapshot from the European Central Bank's daily reference rates, baked into the page bundle at release time. The exact date is printed at the top of the converter — for example "Rates as of 2026-05-20". Because the data ships in the page, the tool keeps working when you're offline, on a plane, or behind a corporate proxy that blocks third-party APIs. The trade-off is that the numbers age between releases. Currencies don't usually move more than a fraction of a percent day-to-day, so for trip budgeting and rough invoicing this is fine, but for a real wire transfer always check your bank's live rate.

How accurate is this versus what my bank charges?

Reference rates are the mid-market rate — what banks quote each other. What you actually get from a bank or money changer is the reference rate minus a spread, typically 0.5% to 3% depending on the institution and direction. Card networks (Visa / Mastercard) usually charge around 1% above the reference rate. SWIFT wires can be worse on small amounts because of fixed fees. We print the disclaimer at the top of the page in plain text because nobody reads tooltips.

Why ship offline rates instead of calling a live API?

Three reasons. (1) Most free FX APIs rate-limit aggressively and ad-fund their pages, which is bad UX. (2) Calling a third-party from your browser leaks every conversion you do to that vendor. (3) For 95% of the searches that bring people to a currency converter — "how much is 100 USD in CNY" — a five-day-old rate is accurate to the cent. We'd rather ship something that works on a plane and protects your inputs than chase a phantom precision you don't need for the use case.

Which currencies are included?

52 in total — every G20 currency plus the Asian and Gulf currencies people actually search for. USD, EUR, JPY, GBP, CNY, HKD, TWD, KRW, SGD, AUD, CAD, CHF, NZD, INR, THB, VND, MYR, IDR, PHP, RUB, BRL, MXN, ZAR, AED, SAR, TRY, ILS, PLN, SEK, NOK, DKK, CZK, HUF, RON, PKR, BDT, LKR, EGP, NGN, KES, MAD, ARS, CLP, COP, PEN, QAR, KWD, BHD, OMR, JOD, NZD and ISK. If a currency you need isn't there, file an issue and we'll add it in the next release.

Can I see multiple targets at once?

Yes — that's the main panel. Type "100" on the left, pick USD as your source, and the right column shows CNY, JPY, EUR, GBP and HKD simultaneously. You can change those five target slots from the picker. This is the layout that's actually useful for travel budgets and cross-border invoicing, where you're thinking in two or three currencies at once rather than a single pair.

Is my data saved anywhere?

Only locally. Recent amounts are kept in your browser's localStorage so they reload when you come back. Nothing is sent to a server, no telemetry tracks the values you type, and there is no cookie or fingerprint associated with the conversion. Clear your browser data and the history is gone.

Why doesn't the converter match Google's number exactly?

Google pulls live mid-market rates that update every few minutes; ours is a frozen snapshot whose date is printed on the page. Expect them to agree to within roughly 0.1%–0.5% for major pairs (USD/CNY, USD/EUR, USD/JPY) and within 1–2% for emerging-market currencies that move more day-to-day (TRY, ARS, RUB). If the gap is bigger than that, the snapshot is stale and we'll ship a refreshed bundle.

Pricing a freelance invoice in a currency you don't bank in

You're a designer in Manila billing a Berlin client 1,800 EUR. Type 1800, source EUR, and the multi-target panel shows the rough USD, CNY and your local figure at once, so you can sanity-check the number before you send the invoice and decide whether to ask for USD instead. The reference rate is the mid-market starting point; your bank will shave a spread off, so quote a hair high.

Splitting a trip budget across three countries on a plane

Flying to a Japan-Korea-Thailand trip with no signal, you've set aside 4,000 CNY for food. The tool runs fully offline once loaded, so you convert 4000 CNY into JPY, KRW and THB in the same panel and see you've got roughly 88,000 JPY worth of buffer. No API call, no roaming data burned, no rate-limit screen at 30,000 feet.

Comparing two remittance quotes before you click send

A transfer app offers you 7.10 CNY per USD on a 2,000 USD send. Punch 2000 USD into the converter, read the mid-market figure (say 14,400 CNY), and you instantly see the app is keeping about 200 CNY as spread. Now you know whether the "zero fee" banner is real or whether the cost is hidden in the rate.

Settling a cross-border e-commerce refund quickly

A customer paid 89.99 USD and wants a refund in RMB. You need the number for your books before the live API page even loads. Type 89.99 USD, read the CNY value off the ECB snapshot, note the date printed at the top, and record it. For an exact wire you'll still confirm the bank's rate, but for the ledger entry this is enough.

Currency Converter — 50+ Currencies, Offline Reference Rates, USD/CNY/EUR/JPY/HKD

Currency converter — 50+ currencies with offline reference rates, convert without internet, source data updated each release.

Runs locally
Category Calculator
Best for Getting a realistic range before a purchase, plan, workout, or schedule decision.

Reference rates only

These are mid-market reference rates from the ECB snapshot as of 2026-05-20. Banks and exchange counters add a spread of roughly 0.5%–3%. Check your bank's live rate before any real transfer.

Rates as of 2026-05-20

Common pairs

Pair converter

From

Multiple targets at once

One source amount → five targets. Click any code to swap.

721.00

¥ CNY

15,640

¥ JPY

92.00

€ EUR

79.00

£ GBP

781.00

HK$ HKD

Recent amounts

Recent conversions show up here once you type a few.

Full rate table

Code	Currency	Per 1 USD
USD	US Dollar	1.000
EUR	Euro	0.9200
JPY	Japanese Yen	156
GBP	British Pound	0.7900
CNY	Chinese Yuan	7.210
HKD	Hong Kong Dollar	7.810
TWD	New Taiwan Dollar	32.100
KRW	South Korean Won	1,364
SGD	Singapore Dollar	1.340
AUD	Australian Dollar	1.510
CAD	Canadian Dollar	1.360
CHF	Swiss Franc	0.8300
NZD	New Zealand Dollar	1.640
INR	Indian Rupee	83.400
THB	Thai Baht	36.200
VND	Vietnamese Dong	25,430
MYR	Malaysian Ringgit	4.680
IDR	Indonesian Rupiah	16,240
PHP	Philippine Peso	58.300
RUB	Russian Ruble	90.500
BRL	Brazilian Real	5.180
MXN	Mexican Peso	17.050
ZAR	South African Rand	18.400
AED	UAE Dirham	3.673
SAR	Saudi Riyal	3.750
TRY	Turkish Lira	32.200
ILS	Israeli Shekel	3.650
PLN	Polish Zloty	3.940
SEK	Swedish Krona	10.550
NOK	Norwegian Krone	10.710
DKK	Danish Krone	6.850
CZK	Czech Koruna	22.600
HUF	Hungarian Forint	358
RON	Romanian Leu	4.550
PKR	Pakistani Rupee	279
BDT	Bangladeshi Taka	117
LKR	Sri Lankan Rupee	298
EGP	Egyptian Pound	47.600
NGN	Nigerian Naira	1,465
KES	Kenyan Shilling	130
MAD	Moroccan Dirham	9.950
ARS	Argentine Peso	905
CLP	Chilean Peso	935
COP	Colombian Peso	4,115
PEN	Peruvian Sol	3.740
QAR	Qatari Riyal	3.640
KWD	Kuwaiti Dinar	0.3070
BHD	Bahraini Dinar	0.3760
OMR	Omani Rial	0.3840
JOD	Jordanian Dinar	0.7090
ISK	Icelandic Krona	139
XAU	Gold (per ounce)	0.0004

What this tool does

A working currency converter that runs entirely in your browser with no API calls, no signup, and no rate-limit nag screens. 52 currencies shipped in-page (USD, CNY, EUR, JPY, GBP, HKD, TWD, KRW, SGD, AUD, CAD, CHF, NZD, INR, THB, VND, MYR, RUB, BRL, MXN, AED and most other majors), converted off a frozen ECB reference snapshot whose date is printed at the top of the page so you can see exactly what set of numbers you are reading from. Type any amount, the conversion is bidirectional (change the right side and the left recalculates), and a multi-target panel shows the same amount in CNY / JPY / EUR / GBP / HKD at once — useful for cross-border invoices, travel budgets, or quickly comparing remittance offers. One-click shortcuts for the pairs people actually search for (USD↔CNY, CNY↔HKD, USD↔EUR, USD↔JPY), recent-amount history stored in localStorage, and full offline support once the page has loaded. The rates are reference values from the ECB snapshot — banks and exchange counters will give you a slightly worse rate in practice, and we print that disclaimer where you'll actually see it instead of hiding it in a tooltip. Built for travelers, freelancers invoicing across currencies, Chinese cross-border e-commerce sellers, content creators paid in USD, and anyone who just wants a quick "100 dollars is how much in RMB" answer without a tracker pixel watching them type.

Tool details

Input: Text + Numbers; The page exposes text boxes, numeric controls, file pickers, or structured inputs depending on the tool.
Output: Live result; The result area focuses on usable output, with copy, download, or preview actions when supported.
Privacy: Browser-side processing; The main tool logic does not call an external API, so inputs normally stay in the current tab.
Save / share: Local preference storage; Preferences, history, or drafts are saved in this browser without an account.
Performance budget: Initial JS <= 18 KB; No WASM budget is declared, keeping the tool quick to open on mobile.
Best fit: Calculator · Marketer; Category and role tags drive related tools, internal links, and quick fit checks.

How to use

1. Input

Paste or drop your content into the tool panel.
2. Process

Click the button. All processing is local in your browser.
3. Copy / Download

Copy the result or download to disk in one click.

How Currency Converter fits into your work

Use it for fast estimates, comparisons, and planning numbers before you make the final call.

Calculation jobs

Getting a realistic range before a purchase, plan, workout, or schedule decision.
Comparing scenarios by changing one input at a time.
Turning rough assumptions into a number you can discuss.

Calculation checks

Double-check units, dates, rates, and rounding assumptions.
Treat health, finance, tax, and legal outputs as planning aids, not professional advice.
Save the inputs that produced an important result so you can reproduce it later.

Good next steps

These links move the current task into a more complete workflow.

Real-world use cases

Pricing a freelance invoice in a currency you don't bank in
You're a designer in Manila billing a Berlin client 1,800 EUR. Type 1800, source EUR, and the multi-target panel shows the rough USD, CNY and your local figure at once, so you can sanity-check the number before you send the invoice and decide whether to ask for USD instead. The reference rate is the mid-market starting point; your bank will shave a spread off, so quote a hair high.
Splitting a trip budget across three countries on a plane
Flying to a Japan-Korea-Thailand trip with no signal, you've set aside 4,000 CNY for food. The tool runs fully offline once loaded, so you convert 4000 CNY into JPY, KRW and THB in the same panel and see you've got roughly 88,000 JPY worth of buffer. No API call, no roaming data burned, no rate-limit screen at 30,000 feet.
Comparing two remittance quotes before you click send
A transfer app offers you 7.10 CNY per USD on a 2,000 USD send. Punch 2000 USD into the converter, read the mid-market figure (say 14,400 CNY), and you instantly see the app is keeping about 200 CNY as spread. Now you know whether the "zero fee" banner is real or whether the cost is hidden in the rate.
Settling a cross-border e-commerce refund quickly
A customer paid 89.99 USD and wants a refund in RMB. You need the number for your books before the live API page even loads. Type 89.99 USD, read the CNY value off the ECB snapshot, note the date printed at the top, and record it. For an exact wire you'll still confirm the bank's rate, but for the ledger entry this is enough.

Common pitfalls

Treating the reference rate as what you'll actually receive. The mid-market rate is the starting line; a bank typically takes 0.5%–3% off, so 1,000 USD at a 7.12 mid-rate becomes more like 6,950 CNY in hand.
Forgetting to check the snapshot date printed at the top. If it reads "as of 2026-05-20" and you're reading it a month later, a volatile currency like TRY or ARS may already be off by 1%–2%, so confirm before any large transfer.
Using this number for a tax filing or a contract that needs the exact transaction-day rate. For accounting you usually need the official rate on the settlement date, not a frozen snapshot, so pull that from your bank statement.

Privacy

Every conversion runs in your browser off a frozen ECB snapshot bundled with the page. Nothing you type is sent to a server, and there's no telemetry on the amounts. Your recent amounts are kept only in this browser's localStorage so they reload next visit; clear your browser data and they're gone. The amount and currency pair are not written into the shareable URL, so a link you copy won't leak the figure you entered.

FAQ

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Currency Converter — 50+ Currencies, Offline Reference Rates, USD/CNY/EUR/JPY/HKD

What this tool does

Tool details

How to use

1. Input

2. Process

3. Copy / Download

How Currency Converter fits into your work

Calculation jobs

Calculation checks

Good next steps

Real-world use cases

Pricing a freelance invoice in a currency you don't bank in

Splitting a trip budget across three countries on a plane

Comparing two remittance quotes before you click send

Settling a cross-border e-commerce refund quickly

Common pitfalls

Privacy

FAQ

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