Convert 160+ currencies.
Mid-market rates.
Real exchange rates, no hidden margins. Updated hourly from reference banks.
Week highlights
Top currencies vs USD
Rates updated hourly from ExchangeRate-API. 24h change is indicative only.
The Mid-Market Rate vs. What You Actually Get
Where the rate you see goes to die
The rate shown here is the mid-market rate — the midpoint between global buy and sell prices, the number banks use between themselves. Every service you convert through takes a cut from it:
| Converting via | Typical cost vs. mid-market | Where it hides |
|---|---|---|
| Banks (international transfer) | 2–5% | Marked-up rate plus fixed fees |
| Exchange counters | 1–3% | The buy/sell spread on the board |
| Payoneer / Wise withdrawals | 0.5–2% | Stated fees, near-mid-market rate |
| PayPal (via partner withdrawals) | 3–4% | Rate markup, the classic complaint |
| Card spending abroad | 1–3.5% | Network rate + bank's foreign transaction fee |
| Remittance apps (to Pakistan) | 0–1% | Often subsidized — compare anyway |
For freelancers: the two numbers that matter
Knowing the mid-market USD/PKR rate gives you a benchmark: when a platform offers you a withdrawal rate, the gap between theirs and mid-market is the real fee, whatever the fee column says. Second habit: since rates move daily, large withdrawals on different days can differ by thousands of rupees — there's no reliably “best day”, but checking the trend on the historical chart before timing a big transfer beats withdrawing blind.
Quoting and invoicing across currencies
Quote international clients in their currency or USD and state it explicitly on the invoice — ambiguity about which side carries conversion costs is a classic dispute (the invoice generator has a field for it). For FBR filing, foreign income converts to PKR — keep a record of the rate on each payment date, which is exactly what the rate history tool reconstructs. Percentage comparisons between offers compute cleanly in the percentage calculator.