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.
75 live markets · median spread 0.042% · 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 |
79,760.18 | 0.01000000 | 0.000% |
ETUS ETH/USD |
2,311.06 | 0.01000000 | 0.000% |
XRUS XRP/USD |
1.2913 | 0.0000100000 | 0.001% |
EUUS EUR/USD |
1.1223 | 0.0000500000 | 0.004% |
USCN USD/CNY |
6.6781 | 0.000300000 | 0.004% |
USJP USD/JPY |
156.7240 | 0.00800000 | 0.005% |
GBEU GBP/EUR |
1.1927 | 0.0000900000 | 0.008% |
USCA USD/CAD |
1.4003 | 0.000120000 | 0.009% |
GBUS GBP/USD |
1.3385 | 0.000120000 | 0.009% |
GBJP GBP/JPY |
209.7820 | 0.021000 | 0.010% |
EUAU EUR/AUD |
1.5975 | 0.000160000 | 0.010% |
EUCA EUR/CAD |
1.5714 | 0.000160000 | 0.010% |
EUJP EUR/JPY |
175.8850 | 0.018000 | 0.010% |
EUGB EUR/GBP |
0.8384 | 0.0000900000 | 0.011% |
XAUS XAU/USD |
3,994.48 | 0.430000 | 0.011% |
EUCH EUR/CHF |
0.9241 | 0.000120000 | 0.013% |
EUSE EUR/SEK |
11.1357 | 0.00162000 | 0.015% |
ARUS ARS/USD |
0.000657700 | 0.0000001000000 | 0.015% |
GBCH GBP/CHF |
1.1022 | 0.000170000 | 0.015% |
GBCA GBP/CAD |
1.8742 | 0.000330000 | 0.018% |
LTUS LTC/USD |
56.5800 | 0.01000000 | 0.018% |
USCH USD/CHF |
0.8235 | 0.000150000 | 0.018% |
USTR USD/TRY |
49.7292 | 0.01000000 | 0.020% |
XAEU XAG/EUR |
48.0900 | 0.010000 | 0.021% |
USEU USD/EUR |
0.8909 | 0.000200000 | 0.022% |
THUS THB/USD |
0.0296 | 0.00000701000 | 0.024% |
HUPL HUF/PLN |
0.0120 | 0.00000367000 | 0.031% |
USPL USD/PLN |
3.9244 | 0.00120000 | 0.031% |
AEPL AED/PLN |
1.0686 | 0.000326800 | 0.031% |
USNO USD/NOK |
9.3147 | 0.00340000 | 0.037% |
XAEU XAU/EUR |
3,559.35 | 1.340000 | 0.038% |
EUPL EUR/PLN |
4.4042 | 0.00168000 | 0.038% |
CNPL CNH/PLN |
0.5884 | 0.000234000 | 0.040% |
HKPL HKD/PLN |
0.5003 | 0.000200000 | 0.040% |
GBPL GBP/PLN |
5.2529 | 0.00212000 | 0.040% |
JPPL JPY/PLN |
0.0250 | 0.0000102900 | 0.041% |
AUPL AUD/PLN |
2.7580 | 0.00116000 | 0.042% |
DKPL DKK/PLN |
0.5892 | 0.000250000 | 0.042% |
BCUS BCH/USD |
278.1400 | 0.120000 | 0.043% |
CAPL CAD/PLN |
2.8028 | 0.00121000 | 0.043% |
EUNO EUR/NOK |
10.4534 | 0.00465000 | 0.044% |
SGPL SGD/PLN |
3.0706 | 0.00139000 | 0.045% |
XAUS XAG/USD |
53.9935 | 0.026600 | 0.049% |
ZAUS ZAR/USD |
0.0602 | 0.0000304400 | 0.051% |
CHPL CHF/PLN |
4.7659 | 0.00247000 | 0.052% |
PHUS PHP/USD |
0.0157 | 0.00000883000 | 0.056% |
BRUS BRL/USD |
0.2012 | 0.000121500 | 0.060% |
SEPL SEK/PLN |
0.3955 | 0.000240000 | 0.061% |
MXPL MXN/PLN |
0.2099 | 0.000130000 | 0.062% |
NZPL NZD/PLN |
2.2369 | 0.00142000 | 0.063% |
ZAPL ZAR/PLN |
0.2363 | 0.000170000 | 0.072% |
DAUS DASH/USD |
50.7240 | 0.039000 | 0.077% |
EUHU EUR/HUF |
366.7870 | 0.283000 | 0.077% |
GBHU GBP/HUF |
437.4700 | 0.350000 | 0.080% |
ILPL ILS/PLN |
1.2637 | 0.00107000 | 0.085% |
NOPL NOK/PLN |
0.4213 | 0.000370000 | 0.088% |
USHU USD/HUF |
326.7660 | 0.324000 | 0.099% |
EUTR EUR/TRY |
55.8934 | 0.059770 | 0.107% |
MYUS MYR/USD |
0.2448 | 0.000299800 | 0.122% |
TRPL TRY/PLN |
0.0788 | 0.000100000 | 0.127% |
EUCZ EUR/CZK |
24.3515 | 0.034800 | 0.143% |
USKR USD/KRW |
1,323.36 | 2.000000 | 0.151% |
XPUS XPT/USD |
1,549.13 | 2.510000 | 0.162% |
CZPL CZK/PLN |
0.1809 | 0.000313000 | 0.173% |
ROUS RON/USD |
0.2099 | 0.000440400 | 0.210% |
XPUS XPD/USD |
1,048.30 | 2.600000 | 0.248% |
BGUS BGN/USD |
0.6002 | 0.00460380 | 0.767% |
CLUS CLP/USD |
0.00101000 | 0.0000100000 | 0.990% |
ISUS ISK/USD |
0.00824117 | 0.000242030 | 2.937% |
RSUS RSD/USD |
0.00955924 | 0.000566230 | 5.923% |
UAUS UAH/USD |
0.0222 | 0.00133672 | 6.032% |
RUPL RUB/PLN |
0.0482 | 0.00307367 | 6.375% |
EURU EUR/RUB |
91.4400 | 5.829000 | 6.375% |
USRU USD/RUB |
81.4788 | 5.194007 | 6.375% |
COUS COP/USD |
0.000316300 | 0.0000231000 | 7.303% |
Directly-quoted pairs from the live feed. A tighter spread means a more liquid, cheaper-to-trade market.
What is a spread?
The bid is the price buyers offer; the ask is the price sellers request. The difference is the quoted spread. A provider may use a different retail rate and charge separate fees. Compare the final amount for your specific offer; a reference-rate difference alone does not identify every charge.