FX Rate Live: Exchange Rates, Currency Converter & Gold Prices

Metal / Type	Rate	Weight / Unit	Updated
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Global Markets & Editorial Intelligence

Frequently Asked Questions

How can I convert my money?

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Converting money is simple. Just follow these three steps:

1Enter amount in the box.
2Select currencies you have and want.
3View rate instantly showing live mid-market data.

Which currencies can I convert?

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We support 150+ global currencies and live crypto rates.

USD EUR GBP INR AED SAR BTC

What is the interbank rate?

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The interbank rate (mid-market rate) is the rate banks use to trade with each other. Our converter shows this reference rate with no markup added. Banks and money changers buy a little below it and sell a little above it.

Example: Buy 94.90 | Mid-market 95.30 | Sell 95.70

What is the best time to exchange money?

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Best time

London + New York overlap
8:00 AM - 12:00 PM EST

Avoid

Weekends and bank holidays
Spreads widen 2-3x

Why is my bank rate different?

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Banks add a profit margin (spread) of 1-4% on top of the mid-market rate. Our tool shows the benchmark rate so you can compare and save.

Can I send money directly?

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No. FX Rate Live is an educational tool. We do not process transfers, but we help you find the fairest rates before you use a bank or app.

Live Exchange Rates, Currency Converter and Gold Prices Worldwide

FX Rate Live helps travellers, freelancers, expats, students, online shoppers and businesses around the world check indicative exchange rates and precious metal prices before they convert money. We show mid-market (interbank) rates, the reference rates banks use when trading with each other. Banks, card providers and airport kiosks usually add a margin of 1% to 5% on top of this rate, so knowing the mid-market rate helps you spot a fair deal.

What you can do on FX Rate Live

Currency Converter: Convert between 150+ currencies including USD, EUR, GBP, JPY, CAD, AUD, AED, SAR, SGD and INR.
Gold and Silver Prices: Track spot gold (XAU/USD) and silver, plus local prices such as 24K and 22K gold in India.
Forex Calculators: Pip value, margin, position size and profit calculators for traders.
Salary Converter: Compare a job offer or salary across countries in your home currency.
Remittance and Tax Tools: Estimate costs of sending money abroad, including country-specific rules such as India's TCS on foreign remittance.

Why your bank or card rate is different

The rate shown here is the mid-market rate. When you buy a foreign currency, the provider sells it to you at a slightly higher rate, and when you sell, it buys at a lower rate. That difference is the spread. For example, if EUR/USD is 1.0800 at mid-market and your card charges 1.1000, you pay about 1.85% extra. On a $3,000 trip budget, that is roughly $55 lost to the exchange rate alone, before any foreign transaction fees.

What moves exchange rates

Currencies react mainly to interest rate decisions by central banks such as the US Federal Reserve, the European Central Bank, the Bank of England, the Bank of Japan and the Reserve Bank of India. Inflation reports, employment data, GDP growth, oil prices, trade balances and global risk sentiment also play a big part. When markets are nervous, investors often move into the US dollar, Swiss franc, Japanese yen and gold.

Tips before you convert or send money

Use the mid-market rate as your benchmark and compare two or three providers.
Look at the total cost: exchange margin plus transfer or card fees.
When paying abroad by card, choose to pay in the local currency, not your home currency, to avoid dynamic currency conversion markups.
Avoid converting on weekends and holidays, when spreads are often wider.
Check local tax rules on international transfers in your country.

Our data and its limits

Rates on FX Rate Live are indicative and for information only. We reference public benchmarks such as central bank reference rates, the LBMA for precious metals and major market data, but these are not dealing rates. Always confirm the final rate with your bank or provider before you transact. FX Rate Live does not transfer money or give investment advice.

Global Currency Exchange & Financial Intelligence

Welcome to FX Rate Live, a free site for checking indicative exchange rates, gold prices and plain-English currency guides. In a globalized economy, currency values fluctuate every second due to geopolitical events, interest rate decisions, and economic reports.

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Live Exchange Rates, Currency Converter and Gold Prices Worldwide

What you can do on FX Rate Live

Why your bank or card rate is different

What moves exchange rates

Tips before you convert or send money

Our data and its limits

Global Currency Exchange & Financial Intelligence

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MARKET TAKE • DESK REPORTS

Live Bullion Benchmark

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💬 Public Discussion (0)

Live Exchange Rates, Currency Converter and Gold Prices Worldwide

What you can do on FX Rate Live

Why your bank or card rate is different

What moves exchange rates

Tips before you convert or send money

Our data and its limits

Global Currency Exchange & Financial Intelligence