Quick answer
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This currency converter uses European Central Bank reference rates, updated each business day through the free Frankfurter API, plus the Pacific franc (XPF) via its fixed peg to the euro. Pick two currencies, enter an amount, and you’ll get an estimate for budgeting. Your bank or card will apply its own rate and any fees.
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How do you use the currency converter?
Choose the currency you have and the currency you want, then type an amount. The converter uses the latest ECB reference rates. Use it to compare prices, set a daily spending budget, or sanity-check a bill before you pay.
Rates are for estimates only. The ECB publishes reference rates once each business day; they don’t change on weekends or holidays, and they’re not the rate a bank, card network or exchange kiosk will give you.
How does the Pacific franc (XPF) work?
French Polynesia uses the CFP franc (XPF), which is pegged to the euro at a fixed rate of 1 EUR = 119.33 XPF. The converter calculates XPF from the euro reference rate, so the dollar-to-XPF figure moves only when the dollar moves against the euro.
Resorts in French Polynesia accept major credit cards, but keep some XPF for markets, snack stands and tips.
Tips for getting a better exchange rate
Use a credit card with no foreign transaction fees, and withdraw local cash from bank ATMs rather than airport exchange counters. When a card terminal offers to charge you in U.S. dollars, choose the local currency instead; that dynamic currency conversion usually comes with a worse rate.
Frequently asked questions
Where do the exchange rates come from?
What is the exchange rate for the Pacific franc (XPF)?
Can I convert Kenyan shillings or Botswana pula?
Official sources
Rules, fees and schedules change — confirm the latest details at the source before you travel.