USD to GBP exchange rate
Mid-market USD/GBP — 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? GBP to USD rate.
USD to GBP 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 | British Pound |
|---|---|
| $100.00 | £73.91 |
| $250.00 | £184.78 |
| $500.00 | £369.55 |
| $1,000.00 | £739.10 |
| $2,500.00 | £1,847.75 |
| $5,000.00 | £3,695.50 |
| $10,000.00 | £7,391.00 |
| $25,000.00 | £18,477.50 |
| $50,000.00 | £36,955.00 |
| $100,000.00 | £73,910.00 |
What moves the USD/GBP rate
The dollar-to-sterling direction is dominated by US companies paying UK suppliers and staff, and by Americans buying UK property. The same cable liquidity applies, so the benchmark is tight — but incoming dollar wires are frequently reduced by correspondent bank deductions before conversion, which is a separate cost from the rate itself.
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 GBP leg
Sterling trades on Bank of England rate expectations, UK inflation prints and gilt yields, so it tends to move sharply around MPC meetings and CPI releases.
Delivering GBP
Sterling settles into UK accounts over Faster Payments within minutes for most amounts, with CHAPS handling larger same-day values.
USD/GBP questions
What is the USD/GBP exchange rate today?+
The mid-market USD/GBP rate is 0.7391, meaning 1 USD buys 0.7391 GBP. 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/GBP mid-market rate?+
USD/GBP 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 GBP take to arrive?+
Sterling settles into UK accounts over Faster Payments within minutes for most amounts, with CHAPS handling larger same-day values.
Can I fix a USD/GBP 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.
Other USD rates
More on each currency: US Dollar · British Pound · All live rates
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.