About CurrenciesLive

What CurrenciesLive does

The site converts between more than 160 currencies using live mid-market rates, publishes historical charts for major pairs and compares transfer providers for the corridor and amount you select. It also publishes practical send money guides and travel money guides. It requires no account and no payment details.

CurrenciesLive is not a bank, money transmitter, e-money institution or payment service. Every transfer is completed on a third-party provider's own platform, under that provider's terms and safeguards.

How we make money

Some links to Wise, Remitly, Revolut, WorldRemit, OFX and Xe are affiliate links. If you open an account or start a transfer through one of those links, we may earn a commission at no extra cost to you. This does not change the rate or fee the provider offers you.

Provider order puts Revolut and Wise first for recognition, then ranks the remaining providers by the estimated standard referral payout we may receive among those that support the selected pair. It is not a ranking of transfer cost or of the rate a provider will offer. Always check the final rate and fee on the provider's site.

Where the live rate comes from

Rates come from the ExchangeRate-API open endpoint, which aggregates interbank quotes into a mid-market reference for more than 160 currencies.

The converter checks for a newer published rate when the page loads and at most every 30 minutes. The upstream source publishes once a day, so the displayed rate may stay unchanged between updates. Server-rendered pair pages cache the feed at the edge for up to ten minutes.

The mid-market rate is the midpoint between the buy and sell price of a currency pair. It is not a rate you can transact at. Banks and transfer providers add a margin and often a fixed fee, so the rate you are offered will be worse than the one shown here.

Daily history and chart data

Charts and range figures use European Central Bank reference rates published through frankfurter.dev. The ECB publishes one fixing per business day, around 16:00 CET, so weekends and public holidays carry the previous close.

The ECB covers 31 currencies. Pairs outside that set, such as USD to MAD or USD to AED, show the live rate and the conversion tables but no chart and no rate context block.

Corridor notes on pairs without a chart

Some published pairs involve a currency the ECB does not reference, including the Moroccan dirham, the UAE dirham, the Saudi riyal, the Pakistani rupee, the Bangladeshi taka, the Nigerian naira, the Kenyan shilling, the Egyptian pound and the Vietnamese dong. Those pages carry a short structural note instead of a chart.

The notes describe the exchange rate regime, the central bank, convertibility and the main flows that supply and demand the currency. They are compiled from central bank publications and public trade and remittance data, and reviewed on the date shown on each page. They are descriptive, not forecasts, and regimes can change.

How we calculate range and volatility

12 month percentile

We take every daily close in the last 365 days and count how many are at or below the current mid-market rate. That share, rounded to a whole number, is the percentile.

• 90% means the rate was at or below today's level on 90% of the trading days in the past year.
• 10% means today's rate is near the bottom of its 12 month range.

The percentile describes the past. It says nothing about where the rate goes next, and a rate can stay near a 12 month high or low for months.

30 day range

The high and low are the maximum and minimum daily closes in the last 30 days of published data, with the date of each fixing. The range percentage is the distance between the two, divided by the low.

Volatility

Volatility measures how much the rate moved, not which direction it moved. We calculate daily log returns from consecutive closes, take the sample standard deviation and annualise it with the square root of 252 trading days.

The 30 day figure uses the last 30 returns. The median is the same calculation run over every rolling 30 return window in the past year, then sorted and sampled in the middle. A current figure above the median means the pair has been moving more than usual.

The comparison line uses the average 30 day volatility of six major pairs: EUR/USD, USD/JPY, GBP/USD, USD/CHF, AUD/USD and USD/CAD.

Limits and corrections

Reference rates are daily snapshots. Intraday moves, weekend gaps, provider margins and fees are not included. Nothing on this site is investment, tax or financial advice, and past volatility does not predict future rates.

If you find a calculation error, use the contact page and include the pair and the date.

Last reviewed 4 November 2026. This page changes only when the methodology or data sources change.

Editorial policy and review

CurrenciesLive is editorially independent. The organisation reviews the content, the data sources and the calculations before publication, and it publishes corrections when a rate, a regime or a corridor note is shown to be wrong.

Structured content such as guides and currency profiles is reviewed on a fixed content review date shown on each page. Live rate pages refresh automatically from the rate source, and the editorial line is re-checked whenever the source or methodology changes.

For guides that include provider comparisons, inclusion follows editorial judgment and coverage of the corridor. Provider order is a recognition and funding order, not a ranking of cost, speed or the rate a provider will ultimately offer.

Corrections are published openly. When a correction is published, the affected pages are updated and the review date of the page is refreshed.

This section is informational and does not form part of the methodology above.