Convert between world currencies
Exchange rates change based on supply/demand, interest rates, inflation, political stability, and economic performance. Central bank policies and trade balances also significantly impact currency values.
The buying rate is what banks pay when you sell foreign currency to them. The selling rate is what you pay to buy foreign currency. The difference (spread) is the bank's profit margin, typically 1-3%.
Monitor rates over time and exchange when favorable. Mid-week rates are often better than weekends. Avoid airport exchanges due to poor rates. Use rate alerts to catch favorable movements.
Online rates show interbank/mid-market rates. Banks and exchangers add margins. Actual rates you get are typically 1-5% worse. Use online rates for comparison but expect a markup when transacting.
Major pairs include USD/EUR, USD/JPY, GBP/USD, and USD/CHF. These are most liquid with tightest spreads. Exotic pairs (involving emerging market currencies) have wider spreads and more volatility.
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