What is your money worth?
Convert at a daily reference rate, then check the difference against your exchange offer.
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What does the exchange cost you?
Use the same total budget as “You send”, including any fees paid on top. Enter the final amount the recipient receives after all deductions. This compares your offer with a daily benchmark, not a live executable quote.
Enter the net amount to compare.
Understand this rate
Source: European Central Bank reference rates. Usually updated around 16:00 CET on working days, excluding TARGET closing days. These are daily informational reference rates, not live prices or transaction offers.
Cross rate = destination rate per EUR ÷ source rate per EUR. Reference amount = amount sent × cross rate. Shortfall = reference amount − net amount received. Shortfall percentage = shortfall ÷ reference amount × 100. A negative shortfall means the offer delivers more than this reference.
Calculations use unrounded rates; displayed amounts follow the destination currency’s usual decimal precision. Timing differences can affect the comparison. This does not identify a provider’s fee or profit and does not alter broker ratings. Only currencies present in the current source are offered.