Currency converter
Rates are reference rates from around 18 September 2026. Markets move every day, so update them from your bank before you rely on a figure.
Edit rates (₹ per 1 unit)
About this calculator
The rate you see and the rate you get
The mid-market rate is the midpoint between what buyers and sellers are quoting, and it is the number shown on news sites and search results. Almost nobody transacts at it. Banks, card networks and money changers add a margin, and that margin is where they make their money.
Credit and debit cards typically add a foreign transaction markup of around 2% to 3.5% on top of the network rate, and some charge a flat fee as well. Bank remittances add a spread plus a transfer charge. The markup field on this page lets you see what you would actually receive rather than the theoretical amount.
Points worth knowing before you convert
Rates on this page are reference rates you can edit, not a live feed, so update them from your bank before relying on a figure for a real transaction. Exchange rates move every working day.
If a payment terminal abroad offers to charge you in rupees instead of the local currency, decline. That is dynamic currency conversion and the rate used is almost always worse than your card's own.
Common questions
Why does my bank give a worse rate than Google?
Search engines show the mid-market rate. Banks and card networks add a margin of a few percent to that, which is their charge for the conversion.
What is the foreign transaction markup on an Indian card?
Usually around 2% to 3.5% of the transaction, plus GST on that fee. Some travel-focused cards charge less. Check your card's schedule of charges.
Should I pay in rupees or local currency abroad?
Local currency is usually cheaper. Paying in rupees uses dynamic currency conversion, where the merchant's rate is applied, and it is almost always worse than your card's rate.