Daily reference exchange rates for 36 currencies, including USD to VND
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Convert between 36 currencies, including USD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, SGD, KRW, THB and the Vietnamese dong (VND), using the daily reference rates published by ExchangeRate-API. The converter shows the rate in both directions, tells you exactly when the rates were published, and explains why the figure you get at a bank, on a card statement or at an exchange counter will differ. It is built for planning a trip budget, checking an overseas price, or quoting a client in another currency, not for trading.
Whether you're planning international travel, shopping from overseas stores, doing business across borders, or simply curious about exchange rates, knowing the current rate is essential. This tool gives you a mid-market reference rate without needing to open a banking app or search multiple websites. The mid-market rate is the midpoint between buy and sell rates — it's the fairest reference rate for comparison purposes. Because it is a reference figure, the most useful way to read it is as a baseline: once you know the mid-market value of a payment, you can see how much a bank, card or exchange counter is actually charging you on top of it.
The rates shown are mid-market rates — the midpoint between buy and sell rates. When you exchange money at a bank or currency exchange, you'll typically get a slightly worse rate due to their fees and spread. For the best rates when traveling, compare rates from multiple sources and consider using a travel card or online transfer service like Wise or Revolut.
The converter loads a single table of rates against the US dollar from the free open-access endpoint of ExchangeRate-API (open.er-api.com). That service publishes one reference rate set per day; it is not a live feed of market quotes, so the numbers do not move minute by minute the way a trading platform's do. Under the result you will see when the current table was published and when the provider plans to publish the next one, both in UTC. The table is stored in your browser until that next update, so reopening the page does not need a new download; the Reload Rates button asks the provider again, but it will only return different numbers once the provider has published a new set. Foreign exchange markets are closed at weekends, so rates published on Saturday and Sunday usually stay close to Friday's. If you need an exact rate for a specific moment, for example to settle an invoice, use the rate your bank or payment provider quotes at the time of the transaction.
Every rate in the table is expressed as units of a currency per 1 US dollar. To convert between two non-dollar currencies, the tool divides one by the other, which is called a cross rate: rate from A to B equals (B per USD) divided by (A per USD). As an illustration with round numbers that are not today's rates, suppose the table says 1 USD = 0.88 EUR and 1 USD = 26,000 VND. Then 1 EUR = 26,000 / 0.88 = 29,545.45 VND, and 500 EUR converts to 500 x 29,545.45 = 14,772,727.27 VND. The reverse rate is simply 1 divided by the forward rate, so 1 VND = 1 / 29,545.45 = 0.00003385 EUR. Because every pair comes from the same table, converting A to B and then B back to A always returns the original amount, apart from display rounding. Amounts of 1 or more are shown with up to two decimals, and very small values are shown with four significant digits so that a rate like 1 VND in USD does not collapse to 0.0000.
Suppose you are about to pay a hotel bill of 3,000,000 VND with a card billed in euros, and the converter, using the illustrative rate of 29,545.45 VND per euro from the previous section, shows about 101.54 EUR. That is the mid-market value. Your card issuer then applies its own exchange rate, which may already include a margin, and may add a foreign transaction fee on top. If the combined cost were 3% (a number chosen only to show the arithmetic; check your own card's terms), you would pay about 101.54 x 1.03 = 104.59 EUR. Another common extra cost is dynamic currency conversion: a card terminal or website abroad offers to charge you in your home currency instead of the local one. The conversion rate in that offer is set by the merchant's provider and is often worse than your card's own rate, so when paying abroad it usually costs less to choose to be charged in the local currency. Comparing the final amount on your statement with the converter's mid-market figure shows you how much the transaction really cost.
The dong has no coins or cents in everyday use, so prices in VND are whole numbers and a single US dollar is worth tens of thousands of dong. When you convert into VND, round the result to whole dong; when you convert small VND amounts into another currency, the tool shows four significant digits so the result is still readable. In Vietnam the State Bank of Vietnam announces a daily central rate for the dong against the US dollar, and commercial banks set their own rates within a permitted band around it. Banks quote several different figures for the same currency: a buying rate for cash, a buying rate for transfers, and a selling rate. The mid-market reference in this tool normally sits between a bank's buying and selling rates, so a bank that buys your US dollars will usually give you fewer dong than the converter shows, and a bank that sells you dollars will charge more dong. For large transfers, ask your bank for its quote on the day rather than relying on a daily reference table.
The tool is a reference calculator with a deliberately small scope. It does not show historical rates or charts, so it cannot tell you what the rate was on the date of an old invoice. It does not include bank fees, card fees, transfer fees or taxes; those have to be added separately. It does not cover cryptocurrencies or precious metals, and it only lists the 36 currencies in the dropdowns. It does not offer a rate lock or execute any exchange. If the rate table cannot be downloaded and there is no cached copy in your browser, the converter cannot produce a result until the connection works again. For accounting, customs declarations or tax returns, use the rate required by the relevant authority or your bank, not a daily reference table.
The only network request the converter makes is a download of the public USD rate table from open.er-api.com. The amount you type and the currencies you choose are never sent anywhere; the calculation happens in your browser. The downloaded rate table is saved in your browser's local storage so the page can reuse it until the provider's next update. You can clear it at any time by clearing site data in your browser, and the converter still works if storage is blocked, it simply downloads the table each time.
Currency Converter with Daily Reference Exchange Rates is useful when you need to complete a focused task quickly without installing desktop software, creating another account, or switching into a heavy workflow. It works well for quick checks, conversions, previews, cleanups, generation tasks, and everyday operations where speed and consistency matter. Convert between 36 currencies, including USD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, SGD, KRW, THB and the Vietnamese dong (VND), using the daily reference rates published by ExchangeRate-API. The converter shows the rate in both directions, tells you exactly when the rates were published, and explains why the figure you get at a bank, on a card statement or at an exchange counter will differ. It is built for planning a trip budget, checking an overseas price, or quoting a client in another currency, not for trading.
Rates are fetched from the open.er-api.com endpoint of ExchangeRate-API, which publishes a new reference table about once every 24 hours. The converter shows when the current table was published and when the next update is expected. Reloading the page or clicking Reload Rates will not produce new numbers until the provider publishes its next table.
These are mid-market reference rates. Actual bank or exchange rates may differ due to fees and spreads, and the rate you receive is set by your bank, card issuer or payment provider at the time of the transaction.
36 currencies: USD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, HKD, SGD, KRW, INR, VND, THB, MYR, IDR, PHP, TWD, NZD, SEK, NOK, DKK, PLN, CZK, HUF, BRL, MXN, ARS, ZAR, TRY, SAR, AED, EGP, NGN, PKR and BDT.
Yes. You can enter any amount of zero or more, including decimals. Results are exact to well beyond the two decimals shown for everyday amounts; the limit on accuracy is the reference rate itself, not the calculation. For large real transfers, get a quote from your bank or transfer provider, because their rate and fees decide what you actually receive.
The rate table comes from an external service, so a network problem, a blocked request or a temporary outage at the provider can stop it from loading. Click 'Reload Rates' to retry, or check your internet connection. If a table loaded successfully earlier and is still cached in your browser, the converter keeps using it and tells you that it is showing the last rates that loaded.
No. The rates are a daily reference snapshot, not live market quotes. They are suitable for budgeting, price comparisons and rough invoices, but not for trading or for timing a large exchange.
Each service uses its own data source and updates at different times. A live source may reflect market moves from the last few minutes, while this converter uses one table published per day. Banking apps usually show their own buy and sell rates, which include a margin. Small differences between reference sources are normal.
Vietnamese banks publish separate rates for buying cash, buying transfers and selling foreign currency, and they set them within a band around the State Bank of Vietnam's daily central rate. The converter shows a single mid-market reference that normally lies between the bank's buying and selling rates, so you will receive a little less when you sell dollars and pay a little more when you buy them.
No. The result is the amount at the reference rate only. Add your provider's margin and any foreign transaction or transfer fees yourself. For example, if your total cost were 3%, a 100 EUR conversion would cost about 103 EUR; check your provider's actual terms.
Click the swap button between the two currencies, or read the second line under the result, which always shows the rate in the opposite direction. The reverse rate is 1 divided by the forward rate.
Values below 1 are shown with four significant digits. Without that, a rate such as 1 VND in US dollars would be rounded to 0.0000 and look like zero. Values of 1 or more are shown with up to two decimals and thousands separators.
Major foreign exchange markets close from Friday evening New York time until trading reopens in Sydney on Monday morning local time (Sunday evening in New York), so reference tables published at the weekend usually reflect the last trading prices of the week.
No. The converter only uses the most recent daily table. For the rate on a past date, use your bank's published rate history or a source that offers historical data.
No. The page downloads the public rate table and does the calculation in your browser. Your amount and currency choices are not sent anywhere.
Yes. Currency Converter with Daily Reference Exchange Rates is designed as a free browser-based utility for quick personal, learning, and professional workflows.
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