Currency converter with live mid-market rates

The mid-market rate vs what you'll actually be charged

The rate shown above is the mid-market rate as of October 2026— the midpoint between the buy and sell prices on the global currency market, and the rate banks use when trading with each other. It's never the rate they give you. Banks and most providers add a markup of 2–4% on top, then often advertise a "$0 fee" to make the transfer look free. On a $2,000 transfer, a 3% markup quietly costs $60 — invisible unless you compare the quote against the real rate.

To see which app charges the smallest markup for your transfer, use our live provider comparison — it ranks 80+ providers by the true cost (markup + fee combined) so you can see exactly how much reaches your recipient. To understand how the markup works in detail, read our guide to exchange rate markup.