Currency Converter
Convert any amount between GBP, EUR, USD, INR and more at the live mid-market exchange rate — the same reference rate banks and brokers price from. Use it as your benchmark, then get a live quote from a Cambridge Currencies specialist for the rate you would actually receive on a transfer.
Cambridge Currencies works exclusively with FCA-authorised payment partners Currencycloud (FRN 900199) and ScioPay (FRN 927951). All transfers are completed by phone with a dedicated specialist.
Live currency converter
Mid-market rates, updated on each conversion.
| Popular amounts | Converts to |
|---|
Live rate is the mid-market reference rate (source: Frankfurter / ECB); USD-pegged currencies such as AED and SAR are shown at their official USD peg. The rate you receive on a transfer includes a margin and is confirmed on a live quote. Rates can move quickly and may go down as well as up.
Popular currency pairs
Dedicated pages with live rates, charts and conversion tables for each major pair.
What is a currency converter?
A currency converter is a tool that calculates how much one currency is worth in another at the current mid-market exchange rate. You enter an amount and choose two currencies; the converter multiplies the amount by the live rate to show the equivalent value.
The converter above updates its rate each time you change the amount or currencies, drawing on mid-market reference data. It covers the pairs people convert most — GBP/EUR, GBP/USD, GBP/INR, EUR/USD — alongside a wide range of other major and emerging-market currencies.
A converter answers the question “what is this worth right now?”. When you are ready to move money, the next question is “what rate will I actually get?” — and for that you need a live quote, because the converter rate and the transfer rate are not the same thing.
What is the mid-market rate, and is it the rate I get?
The mid-market rate is the midpoint between the global buy and sell prices for a currency pair — the “true” exchange rate before any margin is added. It is the rate you see on Google, Reuters and currency converters, but it is not normally available to consumers for an actual transfer.
When you exchange money, the provider adds a margin to the mid-market rate. That margin is where the cost sits — and it varies widely. A high-street bank might price 2.5%–4% away from mid-market; a specialist broker typically works to a tighter margin, especially on larger sums. The converter shows you the benchmark so you can judge how competitive any quote really is.
Currency converter vs the rate you actually receive
Here is how the converter rate compares with what different providers tend to offer on a real transfer.
| What you’re looking at | Rate shown | Use it for |
|---|---|---|
| Mid-market rate (this converter) | The true midpoint, no margin | A benchmark to compare quotes against |
| High-street bank | ~2.5%–4% from mid-market | Small, occasional transfers |
| Money-transfer app | Lower, variable margin | Smaller everyday transfers |
| Specialist broker quote (Cambridge Currencies) | Tighter margin on larger sums | Transfers of £5,000+ by phone |
The practical takeaway: use the converter to set your expectation, then compare a real quote against the banks. On a £50,000 transfer, the difference between a 3% bank margin and a tighter broker margin can run into four figures.
GBP to EUR conversion table
These tables show how common amounts convert at the live mid-market rate. The figures update automatically; the rate you receive on a transfer includes a margin and is confirmed on a live quote.
| GBP | EUR |
|---|---|
| 1 GBP | 1.16 EUR |
| 100 GBP | 115.79 EUR |
| 500 GBP | 578.94 EUR |
| 1,000 GBP | 1,157.87 EUR |
| 5,000 GBP | 5,789.35 EUR |
| 10,000 GBP | 11,578.70 EUR |
| 50,000 GBP | 57,893.50 EUR |
| 100,000 GBP | 115,787.00 EUR |
| EUR | GBP |
|---|---|
| 1 EUR | 0.86 GBP |
| 100 EUR | 86.36 GBP |
| 500 EUR | 431.82 GBP |
| 1,000 EUR | 863.65 GBP |
| 5,000 EUR | 4,318.25 GBP |
| 10,000 EUR | 8,636.50 GBP |
| 50,000 EUR | 43,182.50 GBP |
| 100,000 EUR | 86,365.00 GBP |
GBP/EUR rate chart
How to use the currency converter
Enter your amount
Type the sum you want to convert. The result and the popular-amount table update instantly.
Pick your currencies
Choose the “from” and “to” currencies, or tap the swap arrow to flip the pair.
Read the live rate
See the converted amount and the unit rate. For the rate you’d actually get, request a live quote.
Which currencies can I convert?
The converter handles the pairs UK and international clients use most. Tap a pair to load it into the tool above.
Indian rupee conversions are among the most popular we see. If you are moving money to family or for property, our guide on sending money from the UK to India explains the GBP/INR process. To see where a pair might be heading before you convert, read our weekly currency forecasts.
Why the converter rate isn’t your transfer rate — and how a specialist helps
A converter is a benchmark, not a deal. The figure that affects your money is the quote you receive when you transact, and that is shaped by the amount, the pair, timing and the provider’s margin.
In our experience with property buyers and businesses, the value isn’t the conversion — it’s locking a competitive rate at the right moment, by phone, with someone who knows your transfer. You can convert here, then set a free rate alert to be told when your target is reached, or fix today’s rate with a forward contract.
Currency converter: frequently asked questions
Is the converter rate the rate I’ll actually get?
No. The converter shows the mid-market rate — the true midpoint with no margin. The rate you receive on a transfer includes a margin and is confirmed on a live quote. Use the converter as a benchmark to judge how competitive a quote is.
What is the mid-market exchange rate?
The mid-market rate is the midpoint between the global buy and sell prices for a currency pair. It is the “true” rate before any provider adds their margin, and it is the figure shown by most currency converters and search engines.
How often are the rates updated?
The converter pulls a fresh mid-market reference rate each time you change the amount or currencies. Currency markets move continuously, so the rate you see is a recent snapshot, not a guaranteed dealing rate.
Is the currency converter free to use?
Yes, the converter is free with no account required. Requesting a live quote from a Cambridge Currencies specialist is also free and carries no obligation.
How do I convert a specific amount, like 1,000 GBP to EUR?
Enter 1000 in the amount box, set “from” to GBP and “to” to EUR, and the converter shows the equivalent at the live mid-market rate, plus a table of other common amounts for the same pair.
Which currencies does it support?
It covers major pairs such as GBP/EUR, GBP/USD and EUR/USD, plus emerging-market and pegged currencies including INR, ZAR, SGD, AED and SAR. Pegged currencies are shown at their official USD peg.
Why is your converter rate slightly different from my bank’s?
Banks quote you a rate that already includes their margin, so it sits below the mid-market rate this converter displays. Comparing the two shows you roughly how much margin your bank is charging.
Is Cambridge Currencies regulated?
Cambridge Currencies works exclusively with FCA-authorised payment partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951) — who provide the regulated payment and safeguarding services behind every transfer.
Ready to move money, not just convert it?
The converter gives you the benchmark. A Cambridge Currencies specialist gives you a live quote, a tighter margin on larger sums, and a transfer handled end-to-end by phone — not a self-service screen.