The true cost of exchanging money
Everyone shows the mid-market rate. Almost nobody shows the spread — the real gap between buy and sell prices, and the markups that turn it into your cost. Here it is, live.
74 live markets · median spread 0.025% · tightest 0.000%.
Interbank spread vs. what you are usually charged
The real market spread is tiny. The rest is markup added by whoever exchanges your money.
Typical illustrative ranges, not live quotes — real markups vary by provider, amount and currency.
Real bid/ask spread by pair, tightest first
Straight from the live market feed — the genuine buy/sell gap, updating every few seconds.
| Pair | Mid rate | Spread | Spread % |
|---|---|---|---|
BTUS BTC/USD |
80,934.81 | 0.010000 | 0.000% |
ETUS ETH/USD |
2,511.30 | 0.010000 | 0.000% |
XRUS XRP/USD |
1.4475 | 0.000010 | 0.001% |
EUAU EUR/AUD |
1.6133 | 0.000080 | 0.005% |
EUUS EUR/USD |
1.1629 | 0.000060 | 0.005% |
USJP USD/JPY |
156.2710 | 0.009000 | 0.006% |
GBUS GBP/USD |
1.3542 | 0.000100 | 0.007% |
GBEU GBP/EUR |
1.1645 | 0.000090 | 0.008% |
USCA USD/CAD |
1.3791 | 0.000110 | 0.008% |
EUCA EUR/CAD |
1.6037 | 0.000140 | 0.009% |
EURU EUR/RUB |
100.7680 | 0.009000 | 0.009% |
USRU USD/RUB |
86.6477 | 0.007739 | 0.009% |
RUPL RUB/PLN |
0.0429 | 0.000004 | 0.009% |
GBJP GBP/JPY |
211.6290 | 0.019000 | 0.009% |
EUGB EUR/GBP |
0.8587 | 0.000080 | 0.009% |
USTR USD/TRY |
48.4421 | 0.004870 | 0.010% |
USCN USD/CNY |
6.7168 | 0.000700 | 0.010% |
XAUS XAU/USD |
4,470.87 | 0.470000 | 0.011% |
EUCH EUR/CHF |
0.9391 | 0.000110 | 0.012% |
EUTR EUR/TRY |
56.3351 | 0.007500 | 0.013% |
GBCA GBP/CAD |
1.8676 | 0.000250 | 0.013% |
EUSE EUR/SEK |
11.0839 | 0.001560 | 0.014% |
INUS INR/USD |
0.0106 | 0.000002 | 0.016% |
XAEU XAG/EUR |
57.3000 | 0.010000 | 0.017% |
EUNO EUR/NOK |
10.7995 | 0.001920 | 0.018% |
USNO USD/NOK |
9.2864 | 0.001700 | 0.018% |
USCH USD/CHF |
0.8075 | 0.000150 | 0.019% |
HKPL HKD/PLN |
0.4737 | 0.000090 | 0.019% |
LTUS LTC/USD |
50.9000 | 0.010000 | 0.020% |
GBCH GBP/CHF |
1.0936 | 0.000220 | 0.020% |
EUJP EUR/JPY |
181.7100 | 0.040000 | 0.022% |
CNPL CNH/PLN |
0.5531 | 0.000123 | 0.022% |
EUCZ EUR/CZK |
24.1646 | 0.005400 | 0.022% |
DKPL DKK/PLN |
0.5779 | 0.000130 | 0.022% |
JPPL JPY/PLN |
0.0238 | 0.000006 | 0.023% |
AUPL AUD/PLN |
2.6774 | 0.000630 | 0.024% |
CAPL CAD/PLN |
2.6933 | 0.000670 | 0.025% |
EUPL EUR/PLN |
4.3194 | 0.001120 | 0.026% |
SGPL SGD/PLN |
2.9323 | 0.000780 | 0.027% |
HUPL HUF/PLN |
0.0119 | 0.000003 | 0.027% |
AEPL AED/PLN |
1.0114 | 0.000275 | 0.027% |
USPL USD/PLN |
3.7143 | 0.001010 | 0.027% |
ZAUS ZAR/USD |
0.0626 | 0.000018 | 0.029% |
XAEU XAU/EUR |
3,844.55 | 1.140000 | 0.030% |
USHU USD/HUF |
311.1730 | 0.106000 | 0.034% |
USEU USD/EUR |
0.8600 | 0.000300 | 0.035% |
NOPL NOK/PLN |
0.4000 | 0.000150 | 0.038% |
CHPL CHF/PLN |
4.5995 | 0.001800 | 0.039% |
GBPL GBP/PLN |
5.0301 | 0.002000 | 0.040% |
SEPL SEK/PLN |
0.3897 | 0.000160 | 0.041% |
XAUS XAG/USD |
66.6860 | 0.027600 | 0.041% |
GBHU GBP/HUF |
421.3900 | 0.180000 | 0.043% |
NZPL NZD/PLN |
2.1908 | 0.000960 | 0.044% |
MXPL MXN/PLN |
0.2199 | 0.000100 | 0.045% |
ZAPL ZAR/PLN |
0.2324 | 0.000110 | 0.047% |
ILPL ILS/PLN |
1.2364 | 0.000670 | 0.054% |
PHUS PHP/USD |
0.0160 | 0.000009 | 0.058% |
BRUS BRL/USD |
0.1960 | 0.000115 | 0.059% |
BCUS BCH/USD |
254.9100 | 0.150000 | 0.059% |
THUS THB/USD |
0.0304 | 0.000018 | 0.061% |
TRPL TRY/PLN |
0.0767 | 0.000050 | 0.065% |
EUHU EUR/HUF |
361.8740 | 0.286000 | 0.079% |
DAUS DASH/USD |
50.1120 | 0.045000 | 0.090% |
XPUS XPT/USD |
1,809.92 | 1.680000 | 0.093% |
MYUS MYR/USD |
0.2472 | 0.000305 | 0.124% |
XPUS XPD/USD |
1,409.20 | 1.800000 | 0.128% |
USKR USD/KRW |
1,350.75 | 2.000000 | 0.148% |
CZPL CZK/PLN |
0.1787 | 0.000283 | 0.158% |
RSUS RSD/USD |
0.009913 | 0.000021 | 0.213% |
ROUS RON/USD |
0.2214 | 0.000490 | 0.221% |
BGUS BGN/USD |
0.6002 | 0.004604 | 0.767% |
ISUS ISK/USD |
0.008272 | 0.000235 | 2.845% |
UAUS UAH/USD |
0.0224 | 0.001318 | 5.884% |
COUS COP/USD |
0.000318 | 0.000022 | 7.080% |
Directly-quoted pairs from the live feed. A tighter spread means a more liquid, cheaper-to-trade market.
What is a spread?
Every currency trades at two prices: a bid (what buyers pay) and an ask (what sellers want). The gap between them is the spread — the market's own built-in cost. The mid-market rate you see everywhere is just the midpoint. On liquid pairs the spread is a few hundredths of a percent; the 2–10% you feel at a bank or kiosk is markup added on top. Reference data only, not investment advice.