Our Rates are rounded to up to five significant digits, with a few exceptions. OANDA rates are trusted and used by major corporations, tax authorities, auditing firms, and individuals around the world.
For major currency pairs, our rates are based on tens of thousands of different price points, collected every few seconds, 24 hours a day, days a year.
We collect these rates from live data suppliers, filter them to remove false prices and validate the data, and use the filtered data to compute interbank market rates.
When possible, we take the average of prices over the last 24 hours and use these averages to update the rate every day at Prices for the currencies of some emerging market countries may be published once per day or even less, resulting in only a few price points each week for these currencies.
These are the "official" rates quoted in the media, such as The Wall Street Journal. Retail spreads the difference between the Bid and Ask prices for smaller amounts are not reflected in these interbank prices since they vary among payment systems, countries and banks.
If you go to a bank in your home country, you usually have to pay more of your home currency to get foreign currency than you will receive of your home currency, if you return the foreign currency.
This results in the two exchange rates shown in the margin result. Because these retail rates vary so much in every place, we cannot advise you where to go at any given moment to change currencies.
You can usually find out such information from your local bank, travel guides, or people who have visited the place you are heading for.
For the smaller amounts exchanged in a retail setting, banks, credit cards and exchange agencies charge commissions to convert currencies.
These retail rates add commissions of 1 to 10 percent or more. Retail rates vary widely between payment systems, countries and banks, so we encourage you to enquire about the rates your financial institution is actually charging you.
Either choose the commission from our list of typical charges, or type in a value if you know the rate you will be paying:.
When you convert currency, you sell one currency to buy another. Your financial institution charges you a different rate if you are selling a currency the Bid, or Sell, rate or buying a currency the Ask, or Buy, rate.
You can see these two types of rates in the lower details section of the Currency Converter:. Many currency information sites provide the Midpoint rate , which is the average of the Bid and Ask rates for a currency pair.
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