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 0.089% · 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 |
60,188.66 | 0.010000 | 0.000% |
INUS INR/USD |
0.0105 | 0.000000 | 0.000% |
ETUS ETH/USD |
1,614.04 | 0.010000 | 0.001% |
DAUS DASH/USD |
33.2210 | 0.001000 | 0.003% |
EUUS EUR/USD |
1.1378 | 0.000040 | 0.004% |
USEU USD/EUR |
0.8789 | 0.000040 | 0.005% |
EUTR EUR/TRY |
53.1227 | 0.003000 | 0.006% |
USJP USD/JPY |
162.5600 | 0.010000 | 0.006% |
USCN USD/CNY |
6.7945 | 0.000500 | 0.007% |
GBEU GBP/EUR |
1.1671 | 0.000090 | 0.008% |
GBUS GBP/USD |
1.3279 | 0.000110 | 0.008% |
EUAU EUR/AUD |
1.6508 | 0.000140 | 0.008% |
XRUS XRP/USD |
1.0549 | 0.000090 | 0.009% |
USCA USD/CAD |
1.4219 | 0.000140 | 0.010% |
USRU USD/RUB |
77.5014 | 0.007910 | 0.010% |
EURU EUR/RUB |
88.1776 | 0.009000 | 0.010% |
RUPL RUB/PLN |
0.0487 | 0.000005 | 0.010% |
EUCA EUR/CAD |
1.6178 | 0.000180 | 0.011% |
EUGB EUR/GBP |
0.8568 | 0.000110 | 0.013% |
EUCH EUR/CHF |
0.9209 | 0.000150 | 0.016% |
XAUS XAU/USD |
4,038.31 | 0.670000 | 0.017% |
USCH USD/CHF |
0.8094 | 0.000150 | 0.019% |
XAEU XAG/EUR |
52.0600 | 0.010000 | 0.019% |
GBCH GBP/CHF |
1.0748 | 0.000220 | 0.020% |
USTR USD/TRY |
46.6856 | 0.010000 | 0.021% |
EUJP EUR/JPY |
184.9700 | 0.040000 | 0.022% |
EUNO EUR/NOK |
11.2840 | 0.003000 | 0.027% |
GBJP GBP/JPY |
215.8800 | 0.060000 | 0.028% |
LTUS LTC/USD |
42.8920 | 0.013000 | 0.030% |
GBCA GBP/CAD |
1.8879 | 0.000590 | 0.031% |
BRUS BRL/USD |
0.1915 | 0.000110 | 0.057% |
ZAUS ZAR/USD |
0.0609 | 0.000043 | 0.071% |
HKPL HKD/PLN |
0.4810 | 0.000410 | 0.085% |
AUPL AUD/PLN |
2.6004 | 0.002290 | 0.088% |
CAPL CAD/PLN |
2.6535 | 0.002340 | 0.088% |
USNO USD/NOK |
9.9165 | 0.008790 | 0.089% |
DKPL DKK/PLN |
0.5743 | 0.000510 | 0.089% |
BCUS BCH/USD |
212.7900 | 0.190000 | 0.089% |
SGPL SGD/PLN |
2.9116 | 0.002650 | 0.091% |
CNPL CNH/PLN |
0.5553 | 0.000531 | 0.096% |
GBPL GBP/PLN |
5.0097 | 0.004920 | 0.098% |
XAEU XAU/EUR |
3,549.40 | 3.640000 | 0.103% |
EUSE EUR/SEK |
11.0685 | 0.011970 | 0.108% |
NZPL NZD/PLN |
2.1413 | 0.002340 | 0.109% |
XAUS XAG/USD |
59.2279 | 0.065300 | 0.110% |
MXPL MXN/PLN |
0.2149 | 0.000240 | 0.112% |
CHPL CHF/PLN |
4.6610 | 0.005450 | 0.117% |
MYUS MYR/USD |
0.2442 | 0.000298 | 0.122% |
USKR USD/KRW |
1,553.78 | 2.000000 | 0.129% |
HUPL HUF/PLN |
0.0121 | 0.000016 | 0.134% |
AEPL AED/PLN |
1.0273 | 0.001381 | 0.134% |
XPUS XPD/USD |
1,218.93 | 1.660000 | 0.136% |
ILPL ILS/PLN |
1.2636 | 0.001830 | 0.145% |
EUCZ EUR/CZK |
24.2225 | 0.035800 | 0.148% |
ZAPL ZAR/PLN |
0.2299 | 0.000350 | 0.152% |
SEPL SEK/PLN |
0.3878 | 0.000630 | 0.162% |
NOPL NOK/PLN |
0.3805 | 0.000640 | 0.168% |
TRPL TRY/PLN |
0.0808 | 0.000140 | 0.173% |
USPL USD/PLN |
3.7720 | 0.007000 | 0.186% |
RSUS RSD/USD |
0.009696 | 0.000021 | 0.213% |
ROUS RON/USD |
0.2177 | 0.000474 | 0.218% |
CZPL CZK/PLN |
0.1772 | 0.000390 | 0.220% |
EUPL EUR/PLN |
4.2929 | 0.009600 | 0.224% |
JPPL JPY/PLN |
0.0232 | 0.000052 | 0.224% |
XPUS XPT/USD |
1,579.16 | 3.810000 | 0.241% |
EUHU EUR/HUF |
355.4670 | 1.019000 | 0.287% |
GBHU GBP/HUF |
414.8700 | 1.200000 | 0.289% |
THUS THB/USD |
0.0300 | 0.000120 | 0.399% |
USHU USD/HUF |
312.3040 | 1.422000 | 0.455% |
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.