Type an amount in US dollars to see it in euros at the latest European Central Bank reference rate. Swap to go from euros to dollars, add a card fee, and check how the rate moved over the last 30 days.
Last updated:
USD
Type any amount, e.g. 100, 1,250.50 or 2k.
Converted amount
Updates as you type.
Rate and fees
%
Typical: 0% (no-FX-fee card), about 3% (many cards), more at airport kiosks.
Enter the rate your bank or exchange office quotes to compare.
30-day trend
Quick conversion table
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How to use the USD to EUR Converter
Enter the amount in USD. The EUR value updates instantly as you type.
Check the rate line: it shows the rate both ways, the date of the reference rate and its source.
Press the swap button to convert the other way, from EUR back to USD.
Open Rate and fees to add your bank's or card's markup, or type the exact rate you were quoted to compare.
Use the table and chart for common amounts and the last 30 days of movement, or press Copy result to paste the conversion anywhere.
How the US dollar to euro conversion works
The euro is quoted against the dollar as EUR/USD, the most traded currency pair in the world. A quote of 1.16 means one euro buys 1.16 US dollars. To go from dollars to euros you divide by that number, or multiply by its inverse:
euros = dollars × (1 ÷ EUR/USD). For example, at EUR/USD 1.16 the USD to EUR rate is 0.8621, so $250 = 250 × 0.8621 ≈ €215.52.
This page uses the European Central Bank's daily reference rate, published around 16:00 CET on each TARGET business day. It is a fair mid-market benchmark, which is why it is widely used for invoices, expense reports and travel budgets, but it is not a price you can trade at. Your bank or card will add a margin, so use the markup field to see the real cost.
Where you can spend euros
The euro is the official currency of 21 European Union countries. Note that several EU members, including Denmark, Sweden, Poland, Czechia, Hungary and Romania, keep their own currencies.
Prices include VAT. Unlike US price tags, European shelf prices already include value-added tax, so the number you convert is what you pay.
Decimal commas. Many euro countries write €1.234,56 for one thousand two hundred thirty-four euros and fifty-six cents. Read prices carefully before converting.
Use a no-foreign-transaction-fee card and always choose to be charged in euros, not dollars.
Withdraw from bank ATMs rather than stand-alone cash machines in tourist areas, which often add their own conversion offers and fees.
Frequently asked questions
How do I convert US dollars to euros?
Multiply the dollar amount by the USD to EUR rate. If 1 USD = 0.86 EUR, then $100 × 0.86 = €86. The converter does this with the latest ECB reference rate and also shows the reverse rate.
Where does the USD to EUR rate come from?
It uses the euro foreign exchange reference rates published by the European Central Bank on each working day, around 16:00 Central European Time, delivered by the free Frankfurter API. On weekends and TARGET holidays the latest published rate is shown.
Why is the rate at my bank or airport different?
The ECB rate is a mid-market reference rate. Banks, cards and exchange kiosks add a margin, often 1–3% for cards and much more at airport counters. Enter that margin under Rate and fees to see the euros you would actually get.
Why do markets quote EUR/USD instead of USD/EUR?
By convention the euro is quoted first, so EUR/USD 1.16 means one euro costs 1.16 dollars. The USD to EUR rate is simply the inverse: 1 ÷ 1.16 ≈ 0.862 euros per dollar.
Which countries use the euro?
In 2026 the euro is the currency of 21 EU countries, after Bulgaria adopted it on 1 January 2026. Several non-EU places, such as Montenegro, Kosovo, Andorra, Monaco, San Marino and Vatican City, also use it.
Should I pay in dollars or euros when my card is charged in Europe?
Usually choose euros. If a card terminal offers to charge you in dollars (dynamic currency conversion), the merchant’s provider sets the rate, which is typically worse than your card network’s rate.
Is this rate live to the second?
No. It is a daily reference rate, which is ideal for budgeting, invoices and travel planning. Trading platforms show rates that change every second, so a quote there can differ slightly.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.