USD to EUR exchange rate
Mid-market USD/EUR — the rate banks trade with each other, before anyone adds a margin. Use it as the benchmark for any quote you are given, including ours.
Converting the other way? EUR to USD rate.
USD to EUR at a glance
Converted at the mid-market rate above. A bank pricing the same amounts would typically build in 3–4%, which is the gap a specialist desk closes.
| US Dollar | Euro |
|---|---|
| $100.00 | €86.04 |
| $250.00 | €215.11 |
| $500.00 | €430.22 |
| $1,000.00 | €860.44 |
| $2,500.00 | €2,151.10 |
| $5,000.00 | €4,302.20 |
| $10,000.00 | €8,604.40 |
| $25,000.00 | €21,511.00 |
| $50,000.00 | €43,022.00 |
| $100,000.00 | €86,044.00 |
What moves the USD/EUR rate
The reverse of the world's most liquid pair, and the default route for US businesses settling with European suppliers. SEPA means a euro payment reaches any euro-area account on identical terms, so the destination country makes no difference to timing or cost once converted.
The USD leg
The dollar is the market's default safe haven, so it strengthens on risk-off sentiment as well as on Federal Reserve tightening — two drivers that can pull in the same direction at once.
The EUR leg
The euro takes its direction from ECB policy and the growth gap between the euro area's largest economies, with peripheral bond spreads as a stress signal.
Delivering EUR
SEPA reaches every euro-area account on identical terms, so a payment to Portugal settles the same way as one to the Netherlands.
USD/EUR questions
What is the USD/EUR exchange rate today?+
The mid-market USD/EUR rate is 0.8604, meaning 1 USD buys 0.8604 EUR. This is the rate banks quote each other, before any margin is added — it is the number to compare any quote against.
Why is the rate I am offered lower than the USD/EUR mid-market rate?+
USD/EUR is one of the most liquid pairs in the market, so the underlying spread a provider pays is tiny. Almost every provider still adds a margin to the mid-market rate instead of charging a visible fee, which means the exchange rate itself is the cost — and on a pair this liquid, a rate 3-4% off mid-market is a pricing decision rather than a cost of trading.
How long does a payment in EUR take to arrive?+
SEPA reaches every euro-area account on identical terms, so a payment to Portugal settles the same way as one to the Netherlands.
Can I fix a USD/EUR rate for a future payment?+
Yes. A forward contract fixes today's rate for settlement up to 24 months ahead, which removes the risk of the rate moving between agreeing a price and paying it. That is common on property purchases and scheduled supplier payments.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.