Free live currency exchange rates

Yes. Ohmyfin Organisation re-serves the European Central Bank daily reference rates under the ECB reuse policy, which expressly permits commercial use with attribution. We charge nothing for the converter or the API and we never will for individuals.

The ECB publishes once per business day, around 16:00 Central European Time. Our cache refreshes every 30 minutes to pick up the new file as soon as it is published. On weekends and ECB holidays we carry over the most recent business-day rate.

No. These are mid-market reference rates intended for accounting, reporting and comparison. Banks and money-transfer providers apply a retail spread, typically 0.3 % to 3 %, on top of the mid-market rate when they actually book a cross-border payment.

600 requests per IP per hour. Heavy users should email adamscott@ohmyfin.org for a higher quota; we will not refuse legitimate non-abusive traffic.

Because the source feed is published by the European Central Bank against the euro. Any other base (USD, GBP, JPY…) is derived by triangulating through EUR, so you get the same answer either way — but EUR is the only currency whose rate is exactly 1.