150+ currencies · Live rates
Currency Converter
Live mid-market exchange rates for 150+ currencies. See how fees affect your final amount.
You Send
150+ currenciesPopular
Asia
Europe
Americas
Middle East
Oceania
Africa
They Receive
¥1,000.00
Popular
Asia
Europe
Americas
Middle East
Oceania
Africa
Rate
1 USD=1.0000CNY
Inverse
1 CNY=1.0000USD
Reference rate
Source: local reference
Mid-market rate. PayPal, Wise and Payoneer each apply their own markup on top of this rate. Compare providers to see the real amount your recipient receives.
Popular · USD
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Frequently asked questions
The mid-market rate (also called interbank rate) is the midpoint between global buy and sell prices for a currency pair. It's the rate you see on Google, Xe and Reuters. Payment providers almost never pass this rate through — they typically add a 2–4% markup on top.
Wise generally has the lowest total cost (transparent fee + true mid-market rate). PayPal is the most expensive (transaction fee + $0.49 + FX markup). Payoneer sits in the middle and varies by corridor. Use our calculators for an apples-to-apples comparison on your exact amount.
Yes. Every calculator on FlowRate is free. No signup required. We may earn a small affiliate fee from partner providers when you open an account — but our calculators show the same estimate regardless of affiliation.
Our live converters pull from open.er-api.com with an hourly refresh. The fee engines use reference fee structures from provider public documentation and are reviewed monthly.
You can bookmark any calculator page or copy the URL. To save a specific amount, note the input amount and use the 'share' copy of your browser. Sign-in and cloud history are on our roadmap.