Convert USD to EUR US dollar ↔ Euro Free Online Secure
Type an amount in US dollar and read it in Euro at once. The page uses the European Central Bank's reference rate, and tells you which day that rate is from.
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Common amounts — Convert USD to EUR (US dollar ↔ Euro)
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The last thirty days
Where these codes and rates come from
The three letters in EUR, USD or JPY are not an abbreviation someone invented for a website: they are ISO 4217, a standard in which the first two letters are the country's own code and the third is usually the initial of the currency. The figures on this page come from the European Central Bank, which publishes one set of reference rates each working day, around 16:00 Central European time, agreed between the central banks of the Eurosystem. They are a daily snapshot meant for statistics and accounting, not a live trading feed — which is exactly why they are the same number for everyone, rather than whatever one bank happened to quote at one moment.
Where you meet an exchange rate
You meet an exchange rate four or five times a year without thinking about it: booking a trip, paying an invoice issued abroad, buying from a foreign shop, reading a salary offer in another currency, or checking what a card charge really cost. In all of these the reference rate is the honest middle, and the price you actually pay sits a little to one side of it. Knowing the middle is what lets you see how wide that margin is.
Questions people ask
Is this the rate my bank will give me?
No, and no page can promise one. This is the European Central Bank's reference rate: the midpoint published once a day for statistics. A bank, a card scheme or an exchange office adds its own margin on top — usually between half a percent and three percent, sometimes more at an airport counter. Use this figure to judge the offer you are given, not to predict it.
How often does the figure change, and what happens at weekends?
The European Central Bank publishes once each working day, in the afternoon, Central European time. There is no publication on Saturdays, Sundays or TARGET holidays, so on those days the page shows the last working day's rate and says which day it belongs to. The chart alongside is one year of the same daily series.
Is the answer exact?
Where both units are defined in terms of one another by whole numbers, yes — the page says so above the figure, and the only rounding is in how many digits are shown. Where the ratio has no finite decimal, the page shows twelve significant digits and says the relation is approximate rather than pretending otherwise.
Does anything I type leave my device?
No. The arithmetic runs in your browser; nothing is uploaded and there is no server to upload it to. Load the page once and it keeps working with the network switched off.
An American's guide to Convert USD to EUR
The dollar is the money most Americans have in their pockets, and the euro is the money they meet the moment they land almost anywhere between Lisbon and Helsinki. It is a short flight but a real change of arithmetic: a coffee is two euros and eighty cents, a train ticket is forty, a hotel night is a hundred and twenty, and every number has to be read through a rate before it means anything. This page lets you Convert USD to EUR the moment you need to, at the European Central Bank's daily reference rate, and tells you the date of that rate so you know how fresh it is.
It is written for the person who holds dollars and has to spend, receive or compare something in euros. The sections below follow that person through the places where the conversion matters: planning a trip, paying a European supplier, collecting income from the euro area, moving abroad, and sorting out whether a quoted price is fair. Nothing you type is sent anywhere; the browser does the arithmetic.
Reading prices when you stand in Europe
Think in ratios, not in decimals
When the euro is worth more than a dollar, a price in euros looks smaller than it is. A simple habit helps: round the rate to a friendly number, multiply, and then add a small allowance for the card margin. If you Convert USD to EUR for a budget at home, do the sum in the other direction on the road, and keep the two sides of the calculation in your head as one fraction.
The menu is the price, the receipt is the price
In most of Europe the price on the menu already includes value-added tax and service, and no tip is expected beyond rounding up. This is the opposite of the United States, where taxes and tips arrive afterwards. An American who tips twenty per cent in Paris because that is the habit at home ends up paying a quarter more than the locals.
Prices that mislead
Tourist districts quote in euros but also in dollars, at a rate of the shop's own choosing. The dollar price is usually worse than what your card would have done. When you are handed the card terminal and asked whether to pay in euros or dollars, pay in euros.
What this page does
One figure, one date
Whenever you Convert USD to EUR here, the date beside the result is as important as the number itself, because it tells you how old the rate is.
Enter an amount in dollars. The page divides it by the published rate, because the central bank states how many dollars one euro costs, and shows the euros together with the date of the rate. On weekends and public holidays it shows the last rate that was published, with its own date, never today's date on an old number.
The tables beneath
A shopper who has to Convert USD to EUR twenty times in an afternoon will find the table faster than typing each price again.
You will see common amounts, from one dollar to five thousand, and a thirty-day line. The table is useful in a shop, where you want to read off a price quickly. The line is useful before a trip, to see whether the dollar has been strengthening or weakening in the weeks before you leave.
The way back
If you need the opposite sum, Convert EUR to USD applies the same rate in the other direction, and it is worth using when you are selling something in Europe and want to see its dollar value.
The dollar through European eyes
Why the dollar matters to everyone
About three fifths of the world's central-bank reserves are held in dollars, most of the world's oil is priced in them, and a large share of international trade is invoiced in them even when neither party is American. That is why the euro-dollar rate figures in the European news: a strong dollar makes imported fuel dearer in Europe, a weak one makes it cheaper.
A currency that rises when trouble starts
In a crisis, investors tend to buy dollars, because United States government debt is considered the safest asset on earth. The result is odd but regular: the dollar can strengthen against the euro even when the problem originates in America. A traveller who plans a trip during a market panic may find the euro cheaper than expected.
The European Central Bank's snapshot
The rate you see is the one agreed by the central banks of the Eurosystem at about 16:00 in Frankfurt. It is a calm midpoint, not the price on a trading screen. For budgeting a trip or checking an invoice it is exactly what you want.
Seven situations where Americans meet the euro
Booking a holiday
Hotels and tours in Europe are sometimes priced in euros and charged in dollars, sometimes the reverse. When you book months ahead, the final amount depends on the rate at the moment of charging.
Paying a European freelancer or supplier
Finance teams that Convert USD to EUR for every monthly invoice often settle on a standing rule, such as the rate on the first working day of the month.
If the invoice is in euros, the dollar cost is unknown until the day you pay. Some firms ask suppliers to invoice in dollars; others hedge. A small company can simply keep a euro balance for regular suppliers.
Receiving euro income
Writers, developers and consultants paid in euros by a European client convert them into the dollars they live on. Platforms that pay out in dollars add their own conversion, usually on the poor side of the rate.
Buying property or a long stay
Anyone planning to Convert USD to EUR for a purchase of this size should look at the thirty-day line before choosing a day.
Americans who buy a flat in Portugal or Italy deal with large sums and long timelines. A one per cent move on a two-hundred-thousand-euro purchase is two thousand euros, which is why people who do this often fix the rate with a forward contract.
Studying abroad
Tuition and housing in Europe are billed in euros. Families who watch the rate sometimes buy euros in instalments over a term to average out the movement.
Retirement abroad
Social Security and pensions are paid in dollars, while living costs abroad are paid in euros. A retiree in Spain feels every cent of movement in the rate in the monthly budget.
Investing in European firms
An American who buys a share of a German company holds a double position: the share price and the currency. The share can rise while the euro falls, and the gain disappears when converted back into dollars.
The cost of the middleman
Four ways to get euros
A bank machine in Europe, a card payment, a currency counter at home and a bank transfer each take a different margin. The machine is usually cheapest if your bank does not add a foreign fee, the card is close behind, the counter at an airport is the dearest. Compare each against the figure on this page.
The thing called dynamic currency conversion
Terminals in tourist areas offer to charge you in dollars. It sounds helpful and costs three to six per cent more than letting your own bank convert. The answer to the question on the screen is nearly always no.
A simple budget rule
Before you Convert USD to EUR for a trip budget, decide whether you will pay mostly by card or mostly in cash, because the margin you add depends on it.
Take the reference conversion and add three per cent for a card trip, five for a trip mostly in cash. If the hotel and a few big expenses are prepaid, the total will land under that estimate.
Budgeting a two-week trip step by step
Start with the fixed costs
Write down which of your costs are already fixed in euros before you Convert USD to EUR for anything else.
Flights and the first hotel nights are the biggest items, and they are usually paid in advance. Fix those first, convert them once with the rate on the day you pay, and write the euro and dollar figures side by side in a notebook. Anything prepaid is no longer exposed to the rate, which leaves only the daily spending to worry about. When you Convert USD to EUR for the part you will spend on the ground, do it for a round figure per day rather than for each purchase.
Food and small purchases
A realistic European day for one person is a coffee and pastry for three euros, a lunch of fifteen, a dinner of twenty-five and a few small things. Multiply that by the number of days, convert the total, and add a margin of five per cent for the days that get out of hand. In Switzerland the same day costs half as much again; if your route continues there, Convert USD to CHF shows what a franc budget looks like.
Getting around
Trains and buses are priced per ticket or by pass, and distances are signed in kilometres. If you rent a car, the contract is in euros and so is the fuel, which is sold by the litre. A habit that saves arguments: when someone says a town is 120 kilometres away, Convert MI to KM backwards in your head, remembering that a kilometre is about six tenths of a mile, and you will know it is a ride of just over an hour.
A word about the weather
Forecasts in Europe are in Celsius. Twenty-five degrees sounds mild to a newcomer and is a hot summer afternoon; to check your packing list, Convert F to C before you decide whether to bring a jacket.
The emergency cushion
Keep a card with no foreign-transaction fee and a second one from a different network, plus a few hundred euros in cash. A lost card in a foreign country is a bigger problem than any exchange margin.
The euro-dollar rate in American news
When the euro cost a dollar and sixty
In the summer of 2008 a euro cost about a dollar and sixty cents, and American tourists in Paris felt it in every café. Newspapers published stories about the "dollar's retreat" and travel agents steered customers to Mexico and Canada. The pattern repeats: a weak dollar shortens the list of destinations that Americans can afford, a strong one lengthens it.
Parity and the summer of 2022
When the two currencies reached parity in 2022, the same trip suddenly cost a fifth less than a year earlier. Bookings to Europe rose, and a joke went round that it was the cheapest the continent had been for two decades. A buyer who had waited to pay for a hotel until arrival gained; one who had prepaid at a stronger euro lost.
What to do when the dollar is weak
You cannot change the rate, but you can change the exposure. Prepay what you can when the dollar is strong, favour countries outside the euro area if their currencies are cheaper, and keep the euro balance for the days when you actually need it.
The dollar in indexes and headlines
News reports talk about the "dollar index", which compares the dollar with a basket of currencies in which the euro is the heaviest part, about three fifths. When the index rises, the euro is usually falling, and the news is directly relevant to your holiday.
Sending dollars to a European account
IBAN, SWIFT and the fee that follows
A European bank account is identified by an IBAN. To send dollars to it from the United States you will use a wire transfer, which the receiving bank then converts into euros. Both banks may charge a fee, and the conversion happens at their rate. A quick test is to ask what will arrive, in euros, for a thousand dollars, and compare the answer with the reference conversion on this page.
Specialist transfer services
Online services that hold accounts in both currencies move money by matching transfers rather than crossing borders, and often charge less than banks. They publish the rate and the fee before you commit. Always check the rate against the reference, because some services show a low fee and hide the cost in the rate.
Sending sterling rather than euros
If the recipient is in Britain, the conversion needed is Convert USD to GBP, and if they ask you to pay a British supplier in euros, Convert GBP to EUR shows how the pound compares with the euro. Some payments pass through two currencies on the way, which doubles the margin.
Timing the transfer
Transfers started late on a Friday may not settle until Monday, at Monday's rate. If the amount is large, start early in the week.
Cash habits that differ
Coins matter
The euro has coins of one and two euros, and Europeans use them. Public toilets, supermarket trolleys and some car parks want coins, and a pocket of them is useful.
Cards are normal, but not everywhere
Germany and Austria have long preferred cash in small shops and cafés, and some cheaper restaurants do not take foreign cards. Ask before you eat, not after.
Large notes are viewed with suspicion
Paying a small bill with a 100-euro note often meets a raised eyebrow, and a 200 or 500 note is almost refused. Ask your bank for smaller denominations.
Tipping, briefly
Rounding up the bill or leaving a euro or two is plenty. Ten per cent is generous. The fifteen to twenty per cent American habit is not expected and may be unwelcome.
Common slips when you Convert USD to EUR
Dividing instead of multiplying
The sanity check is quick: when you Convert USD to EUR and the euro is the stronger currency, the result must be smaller than the amount you typed.
Because the euro is usually worth more than the dollar, the number of euros is smaller than the number of dollars. If your answer is larger, you have multiplied by mistake.
Reading old rates in an old guidebook
A guide printed some years ago may quote an exchange rate that no longer applies. Use today's figure and the date next to it.
Forgetting that euros are not one country's money
The euro is used by more than twenty countries, but not by Poland, Sweden, Denmark, the Czech Republic, Hungary or Switzerland. A railway ticket bought in Prague is priced in korunas, not in euros.
Counting the sales tax twice
Prices in Europe already include value-added tax. Do not add tax on top when you compare with an American price.
Frequently asked, briefly
How do I Convert USD to EUR?
Type the number of dollars. The page divides by the reference rate and shows euros with the date.
Which rate does this use?
The European Central Bank's daily reference rate, published on working days at about 16:00 Central European Time.
Why is my bank's figure different?
Because it includes a margin. The gap between your bank's figure and this one is the cost of the service.
Does the page work offline?
It needs a connection to load the rates; after that the arithmetic is local.
Is anything stored about me?
No. The amount stays in your browser.
Next stops
A stop in Romania is covered by Convert USD to RON, in Poland by Convert USD to PLN, and when you call home from the other side of the Atlantic, compare clocks with Convert CET to EST. Before you leave, you may also want to see what a euro costs in dollars at Convert EUR to USD.
Your numbers stay with you
Only the table of rates is fetched. The amount you type never leaves your browser, and no account is needed. It is a quiet way to Convert USD to EUR without telling a website what you plan to spend.
In short
To Convert USD to EUR, enter the dollars and read the euros at the European Central Bank's latest reference rate, shown with its date. Treat it as the middle of the market: card payments and bank machines come close to it, airport counters and shop terminals do not. Pay in euros when asked, skip the dynamic conversion, and remember that European prices already contain tax.