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 0.105% · 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 |
60,218.30 | 0.010000 | 0.000% |
INUS INR/USD |
0.0105 | 0.000000 | 0.000% |
ETUS ETH/USD |
1,614.55 | 0.010000 | 0.001% |
EUUS EUR/USD |
1.1379 | 0.000060 | 0.005% |
EUAU EUR/AUD |
1.6508 | 0.000090 | 0.005% |
USCN USD/CNY |
6.7945 | 0.000500 | 0.007% |
XRUS XRP/USD |
1.0553 | 0.000080 | 0.008% |
GBEU GBP/EUR |
1.1671 | 0.000090 | 0.008% |
USJP USD/JPY |
162.5550 | 0.013000 | 0.008% |
GBUS GBP/USD |
1.3280 | 0.000110 | 0.008% |
USCA USD/CAD |
1.4219 | 0.000130 | 0.009% |
EURU EUR/RUB |
88.1834 | 0.009000 | 0.010% |
USRU USD/RUB |
77.5000 | 0.007910 | 0.010% |
RUPL RUB/PLN |
0.0487 | 0.000005 | 0.010% |
GBJP GBP/JPY |
215.8630 | 0.024000 | 0.011% |
XAUS XAU/USD |
4,040.80 | 0.460000 | 0.011% |
EUGB EUR/GBP |
0.8569 | 0.000120 | 0.014% |
USCH USD/CHF |
0.8094 | 0.000150 | 0.019% |
XAEU XAG/EUR |
52.1000 | 0.010000 | 0.019% |
USTR USD/TRY |
46.6866 | 0.010000 | 0.021% |
EUJP EUR/JPY |
184.9590 | 0.041000 | 0.022% |
USEU USD/EUR |
0.8788 | 0.000200 | 0.023% |
GBCA GBP/CAD |
1.8879 | 0.000590 | 0.031% |
EUCH EUR/CHF |
0.9211 | 0.000300 | 0.033% |
GBCH GBP/CHF |
1.0748 | 0.000380 | 0.035% |
EUNO EUR/NOK |
11.2843 | 0.005000 | 0.044% |
LTUS LTC/USD |
42.8700 | 0.020000 | 0.047% |
DAUS DASH/USD |
33.2410 | 0.018000 | 0.054% |
BRUS BRL/USD |
0.1915 | 0.000110 | 0.057% |
EUCA EUR/CAD |
1.6177 | 0.001000 | 0.062% |
BCUS BCH/USD |
212.8900 | 0.170000 | 0.080% |
JPPL JPY/PLN |
0.0232 | 0.000023 | 0.099% |
HKPL HKD/PLN |
0.4810 | 0.000474 | 0.099% |
GBPL GBP/PLN |
5.0096 | 0.005050 | 0.101% |
CAPL CAD/PLN |
2.6532 | 0.002720 | 0.103% |
AUPL AUD/PLN |
2.6003 | 0.002670 | 0.103% |
DKPL DKK/PLN |
0.5743 | 0.000600 | 0.104% |
XAEU XAU/EUR |
3,551.35 | 3.740000 | 0.105% |
SGPL SGD/PLN |
2.9113 | 0.003150 | 0.108% |
CNPL CNH/PLN |
0.5553 | 0.000610 | 0.110% |
EUSE EUR/SEK |
11.0684 | 0.012210 | 0.110% |
CHPL CHF/PLN |
4.6609 | 0.005250 | 0.113% |
EUTR EUR/TRY |
53.2445 | 0.061930 | 0.116% |
XAUS XAG/USD |
59.2686 | 0.070800 | 0.119% |
MYUS MYR/USD |
0.2442 | 0.000298 | 0.122% |
NZPL NZD/PLN |
2.1411 | 0.002660 | 0.124% |
MXPL MXN/PLN |
0.2149 | 0.000270 | 0.126% |
USHU USD/HUF |
312.5200 | 0.400000 | 0.128% |
USKR USD/KRW |
1,553.82 | 2.000000 | 0.129% |
HUPL HUF/PLN |
0.0121 | 0.000016 | 0.136% |
AEPL AED/PLN |
1.0272 | 0.001394 | 0.136% |
USPL USD/PLN |
3.7725 | 0.005120 | 0.136% |
XPUS XPT/USD |
1,580.86 | 2.210000 | 0.140% |
ILPL ILS/PLN |
1.2638 | 0.001830 | 0.145% |
EUCZ EUR/CZK |
24.2233 | 0.037300 | 0.154% |
USNO USD/NOK |
9.9171 | 0.015800 | 0.159% |
SEPL SEK/PLN |
0.3878 | 0.000660 | 0.170% |
NOPL NOK/PLN |
0.3804 | 0.000670 | 0.176% |
ZAUS ZAR/USD |
0.0609 | 0.000111 | 0.183% |
TRPL TRY/PLN |
0.0808 | 0.000150 | 0.186% |
ZAPL ZAR/PLN |
0.2299 | 0.000450 | 0.196% |
XPUS XPD/USD |
1,219.81 | 2.420000 | 0.198% |
RSUS RSD/USD |
0.009695 | 0.000021 | 0.213% |
ROUS RON/USD |
0.2177 | 0.000474 | 0.218% |
EUPL EUR/PLN |
4.2930 | 0.009600 | 0.224% |
CZPL CZK/PLN |
0.1772 | 0.000416 | 0.235% |
GBHU GBP/HUF |
414.9300 | 1.170000 | 0.282% |
EUHU EUR/HUF |
355.5300 | 1.067000 | 0.300% |
THUS THB/USD |
0.0300 | 0.000120 | 0.399% |
BGUS BGN/USD |
0.6002 | 0.004604 | 0.767% |
PHUS PHP/USD |
0.0162 | 0.000396 | 2.440% |
ISUS ISK/USD |
0.007917 | 0.000220 | 2.779% |
UAUS UAH/USD |
0.0223 | 0.001335 | 5.983% |
COUS COP/USD |
0.000292 | 0.000019 | 6.635% |
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.