How it works

A useful distinction

Reverse the rate as well as currencies

If one unit of A buys 0.80 units of B, the reverse rate is 1.25, not 0.80. In manual mode, use target-currency units per source unit; provider fees remain a separate comparison.

Reading an exchange-rate result

Select the conversion mode according to whether you want an entered rate, a dated reference rate, or a supported spot quote. Check the source and timestamp shown with the result. A reference conversion is not a promise that a bank or payment provider will offer that amount. Fees, spreads, settlement timing, and unsupported dates can affect an actual exchange.

Exchange-rate conversion: formula and assumptions

Converted amount = source amount × exchange rate.

The displayed rate is an editable example, not a live market quote. Enter a current rate from your chosen provider.

ECB daily reference rates: formula and assumptions

Cross rate=ECB target-per-euro rate / ECB source-per-euro rate. Converted amount=amount×cross rate.

Source: European Central Bank, available free from its website. Finflo derives cross rates from the euro-based data. These are daily informational reference rates, not real-time or transaction quotes. The result shows the observation date and retrieval time. Only the generic rate feed is requested; your amount and selected currencies stay in the browser.

Global dated reference and spot quotes: formula and assumptions

Converted amount = amount × USD per source unit / USD per target unit.

Broad daily official-reference blends are delivered by Frankfurter. Bitcoin uses a separate Coinbase spot snapshot; Chilean UF uses the SII daily value crossed through CLP. Source and observation dates remain visible. Legacy codes need a dated manual rate; no live trading or transaction quote is implied.

Worked example

Using the Exchange-rate conversion example:

Inputs

Amount in source currency: 100
Source currency: USD
Target currency: EUR
Target currency per source unit: 0.92

Method

Converted amount = source amount × exchange rate.

Result

Example result

Converted amount (EUR): 92

Entered rate: 1 USD = 0.92 EUR

These are illustrative inputs. Change the values to explore a different scenario.

What to keep in mind

Choose an entered exchange rate, the ECB daily reference, or the broader dated-reference mode. The broader mode uses Frankfurter provider blends, a Coinbase Bitcoin spot snapshot and the SII daily UF value crossed through CLP.

Observation dates can differ between currencies and underlying providers. Provider attribution, excluded contributors, peg-derived references and retrieval time are shown where available.

Reference and spot snapshots exclude transaction fees, bank spreads and convertibility restrictions. Unavailable or obsolete instruments require an explicitly dated manual rate.

Conversion runs locally. Only generic rate snapshots are requested from the server; the amount and selected currencies are not sent to rate providers.

Formula references

References explain the underlying methods; they do not imply endorsement or individual professional review of Finflo.

Common questions

Are ECB reference rates live transaction quotes?

No. They are dated informational reference rates. Banks and payment providers may use different rates, spreads, fees or settlement times.

Are my amount and currency choices sent to the rate provider?

No. The site fetches a generic reference-rate feed; your selected currencies and amount are used for conversion in the browser.

Prepared by Finflo. See our methodology and editorial policy. Read the relevant professional-advice limitations.

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