budget and money
Currency Converter
Convert an amount between the currencies travellers actually carry, then add the fee your card or the bureau charges to see what lands in your hand.
Convert
you get
€117
Rates are indicative planning figures, reviewed periodically. For a payment that matters, check the live mid market rate before you send it.
Getting the best rate on the road
The rate you see published is the mid market rate. What you get is that rate minus whatever the bank, machine or bureau takes. Airport counters take the most, hotel desks are next, and a fee free debit card at a bank owned ATM takes the least. Withdraw larger amounts less often, because a flat ATM charge of two pounds hurts far more on a twenty pound withdrawal than on a two hundred pound one.
Set the fee box to three percent to see what a standard high street card does to your money, or to ten percent to see the airport. On a thousand pound trip that difference is the price of two nights in a guesthouse. More on money handling in the step by step trip planning guide and the travel budget calculator.
Questions people ask
+Should I change money before I fly?
No. Airport bureaus take eight to twelve percent through the spread. Withdraw local cash from a bank ATM on arrival with a card that does not charge a foreign transaction fee, or pay by card and always choose to be billed in the local currency.
+What is dynamic currency conversion?
When a card machine or ATM offers to charge you in pounds instead of the local currency, that is dynamic currency conversion. The machine sets its own rate, usually three to seven percent worse. Always decline and pay in the local currency.
+How much cash should I carry?
Enough for two days of food and transport, plus a fifty pound emergency note kept separate from your wallet. Markets, rural buses and small guesthouses are cash only in most of the world.
+Are these rates live?
They are indicative rates kept for planning, not a live feed. They are close enough to budget with and not close enough to trade on.