Why did my bank or transfer app charge me a different amount than this converter shows?

This tool shows the mid-market rate — the theoretical midpoint rate banks use with each other — not a rate any consumer service actually offers. Banks typically add a 2-4% markup on top of it, and even low-cost remittance services usually add something. On $1,000 at a 3% markup, that's roughly $30 of value that disappears into the spread with no separate fee ever shown on your receipt.

Are the rates really 'live,' updated every hour?

Toolio's server re-fetches from its data provider every hour, but that provider's own free-tier feed only republishes new figures once every 24 hours. So the number you see is never more than about a day old, but it is not updating minute-to-minute — 'hourly' describes how often our cache refreshes its check, not how often the underlying rate actually changes.

How many currencies can I actually convert between?

All 160+ currencies the rate feed covers. To keep the picker fast, the two dropdowns start with 33 major and regional currencies (USD, EUR, KRW, JPY, VND and more); a moment later, once the live rates finish loading, the lists expand to every currency the feed returns, so you can pick any of the 160+ directly.

Why does the result show four decimal places even for currencies like KRW or JPY that don't use cents?

The display always rounds to a maximum of four decimal places no matter which currency is selected, so you may see a KRW or JPY figure with fractional digits even though those currencies aren't subdivided in everyday transactions. Treat the whole-number part as the meaningful value for currencies without minor units.

Can I use the number this tool shows to actually book a transfer or trade?

No — treat it as a reference/estimation figure only. It's a mid-market rate, not a rate any bank, card issuer, or money-transfer provider will execute your transaction at. Always check the rate your provider quotes at the time of the actual transaction before relying on this number for a real payment.

If I type an amount with many decimal places, does the display stay accurate?

The math itself uses your full input, but the amount echoed back on screen is rounded to three decimal places for readability. Typing 1.123456789 will show '1.123 USD' next to a result that was actually computed from the full 1.123456789 — the displayed input and the displayed output won't reconcile if you try to verify the math by hand from what's shown.

Only the address or URL you type is sent to our server to fetch the public result. No private files are uploaded and nothing you enter is stored.

💱 Currency Converter

Toolio's currency converter multiplies your amount by a mid-market exchange rate pulled from Toolio's server, which in turn queries the free open.er-api.com feed — the same interbank-style benchmark rate you see quoted on financial news, not a rate any bank, card network, or money-transfer service will actually give you. The two dropdowns show 33 major and regional currencies immediately for quick selection, then expand to the full 160+ currencies the feed carries once the live rates finish loading. Results refresh at Toolio's edge every hour, but the upstream data itself only republishes once every 24 hours, so 'live' here means 'no more than a day old,' not tick-by-tick.

A currency converter multiplies an amount in one currency by an exchange rate to estimate its equivalent value in another currency; Toolio's version fetches that rate live from its own server on every request.

Amount

From

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How this works. Only the address you enter is sent to our server to fetch a public result — no private files are uploaded, and nothing you enter is stored.

About

When you pick a currency pair, the browser calls Toolio's own /api/fx endpoint, which forwards the request to open.er-api.com's free /v6/latest/{base} feed and returns the response with a one-hour edge cache. This is the one deliberate exception to Toolio's usual zero-network rule for calculators — a currency table baked into a static page would be stale within days, so this tool is intentionally server-backed while every other calculator on the site stays fully offline.

The number you see is a mid-market rate, the theoretical midpoint between what large banks buy and sell a currency for, and it is not the rate you will actually receive. Retail banks commonly add a 2-4% markup on top of it (some regional banks go higher), while dedicated remittance services are often cheaper, in the 0.3-4.5% range depending on the provider. Concretely: if the tool shows 1 USD = 1,380 KRW (illustrative — check the live figure yourself) and you send $1,000 through a bank that marks up 3%, you effectively receive value equivalent to 1,380,000 x 0.97 = 1,338,600 KRW at the true market rate, even though no separate 'fee' line appears on your receipt. The gap is the spread, not a bug in the calculator.

Rounding introduces two more quiet mismatches. First, the converted amount is always shown to a maximum of four decimal places regardless of which currency you picked, so converting into KRW, JPY, or VND — currencies with no cents in everyday use — can still display something like 1,338,600.0000, padding on decimals that no cash register would ever produce. Second, the amount you typed is echoed back through a plain number formatter that defaults to three decimal places, so if you type 1.123456789 the display shows '1.123 USD = ...' while the actual multiplication behind that result used the full unrounded 1.123456789 you entered — manually re-multiplying the displayed 1.123 by the shown rate will not reproduce the displayed answer.

At the far end of the scale, JavaScript numbers only keep exact precision up to about nine quadrillion (2^53). Converting a very large sum into a currency with an unusually large nominal rate can, in principle, push the multiplication past that ceiling and silently drop precision in the last few digits, with no warning shown.

Finally, the 'Updated' timestamp next to the result is not as fresh as it looks: the code keeps only the first 16 characters of the timestamp the API returns, which is enough for the day, month, and year but cuts off before the hour and minute. Two conversions run twelve hours apart on the same calendar day will show an identical 'Updated' date, so there is no way to tell from the page itself whether the number is ten minutes old or nearly a full day old.

How to use

Type the amount you want to convert into the amount field — decimal values are accepted.
Pick the currency you're converting from in the first dropdown — 33 major currencies (USD, EUR, KRW, JPY, VND…) show right away, and the list expands to all 160+ currencies once the live rates load.
Pick the currency you're converting to in the second dropdown.
Toolio's server fetches the current rate set for your chosen base currency and the page multiplies it against your amount automatically — no button press needed.
Check the small text under the result: it shows the exact rate used (1 unit of the source currency in target-currency terms) and the calendar date it was last refreshed upstream.
Click the swap (⇄) button to flip the source and target currencies and re-fetch instantly in the reverse direction.

FAQ

Why did my bank or transfer app charge me a different amount than this converter shows?: This tool shows the mid-market rate — the theoretical midpoint rate banks use with each other — not a rate any consumer service actually offers. Banks typically add a 2-4% markup on top of it, and even low-cost remittance services usually add something. On $1,000 at a 3% markup, that's roughly $30 of value that disappears into the spread with no separate fee ever shown on your receipt.
Are the rates really 'live,' updated every hour?: Toolio's server re-fetches from its data provider every hour, but that provider's own free-tier feed only republishes new figures once every 24 hours. So the number you see is never more than about a day old, but it is not updating minute-to-minute — 'hourly' describes how often our cache refreshes its check, not how often the underlying rate actually changes.
How many currencies can I actually convert between?: All 160+ currencies the rate feed covers. To keep the picker fast, the two dropdowns start with 33 major and regional currencies (USD, EUR, KRW, JPY, VND and more); a moment later, once the live rates finish loading, the lists expand to every currency the feed returns, so you can pick any of the 160+ directly.
Why does the result show four decimal places even for currencies like KRW or JPY that don't use cents?: The display always rounds to a maximum of four decimal places no matter which currency is selected, so you may see a KRW or JPY figure with fractional digits even though those currencies aren't subdivided in everyday transactions. Treat the whole-number part as the meaningful value for currencies without minor units.
Can I use the number this tool shows to actually book a transfer or trade?: No — treat it as a reference/estimation figure only. It's a mid-market rate, not a rate any bank, card issuer, or money-transfer provider will execute your transaction at. Always check the rate your provider quotes at the time of the actual transaction before relying on this number for a real payment.
If I type an amount with many decimal places, does the display stay accurate?: The math itself uses your full input, but the amount echoed back on screen is rounded to three decimal places for readability. Typing 1.123456789 will show '1.123 USD' next to a result that was actually computed from the full 1.123456789 — the displayed input and the displayed output won't reconcile if you try to verify the math by hand from what's shown.
Is my data uploaded?: Only the address or URL you type is sent to our server to fetch the public result. No private files are uploaded and nothing you enter is stored.