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EUR/USD - Rate Guide

Euro to United States Dollar exchange rates aren't all the same.

The total cost you are charged by your bank or foreign exchange provider consists of a margin from the interbank mid-rate plus fees. These margins and fees vary significantly for International Money Transfers and Travel Money transactions as shown below.

 

EUR/USD Exchange Rates and Providers Compared

This guide to the Euro to United States Dollar exchange rate with 90-day chart & alerts, historic rates, forecasts and EUR to USD comparison tables for foreign transfers and travel money rates and fees on offer by banks and foreign exchange providers. Calculate amounts and rate margins with the EUR/USD Calculator.

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EUR/USD - 90 Day Rate Alerts

1 EUR = 1.0997 USD

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EUR/USD over the last 90 days

View EUR/USD - Interactive Chart

Exchange rates can vary significantly depending on the transaction type (transfer, cash or card), currency pair and amount. The below table shows an example of total costs charged by FX specialists and banks for EUR/USD International Money Transfers. Costs are calculated against the current interbank mid-rate.

 

EUR to USD International Money Transfers

  

Foreign Transfer ProvidersReceive USD($)Exchange RateFee EURTotal CostDeal Links
OFX logo
5,451.5 USD
Best Overall
1.09030 for BER users (normally $15)0.8%
WorldFirst logo
5,468 USD
17 USD
1.093600.5%
TorFX logo
5,406.5 USD
45 USD
1.081301.62%
HSBC logo
5,298.04 USD
153 USD
1.0612€7.53.59%
Deutsche Bank International Money Transfers
Deutsche Bank logo
5,247.99 USD
204 USD
1.0602€504.5%
Citibank International Money Transfers
Citibank logo
5,244.88 USD
207 USD
1.0515124.56%
Santander International Money Transfers
Santander logo
5,214.56 USD
237 USD
1.0471205.11%
Bank of Ireland International Money Transfers
Bank of Ireland logo
5,183.15 USD
268 USD
1.0471€505.68%
Banks - Average Rate
Deutsche Bank logo Santander logo Citibank logo Sparkasse Bank logo HSBC logo Bank of Ireland logo Crédit Agricole logo AIB Bank logo BNP Paribas logo
5,183 USD
268 USD
1.0436125.69%
Crédit Agricole International Money Transfers
Crédit Agricole logo
5,146.02 USD
305 USD
1.0396€506.36%
BNP Paribas International Money Transfers
BNP Paribas logo
5,141.07 USD
310 USD
1.0386€506.45%
AIB Bank International Money Transfers
AIB Bank logo
5,124.24 USD
327 USD
1.0352€506.76%
Sparkasse Bank International Money Transfers
Sparkasse Bank logo
5,043.82 USD
408 USD
1.0118158.22%
 

OFX logo

OFX: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:0 for BER users (normally $15)
Exchange Rate:1.0903 (0.8% from mid-rate)
To Amount:5,451.5 USD
Total Cost:0.8%
Time:
Rate Fetched: 18:01 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.8/5.0
Reviews:
 

WorldFirst logo

WorldFirst: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:
Exchange Rate:1.0936 (0.5% from mid-rate)
To Amount:5,468 USD
Total Cost:0.5%
Difference:
17 USD more than using OFX
Time:18:01 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.6/5.0
Reviews:
 

TorFX logo

TorFX: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:0
Exchange Rate:1.0813 (1.62% from mid-rate)
To Amount:5,406.5 USD
Total Cost:1.62%
Difference:
45 USD less than using OFX
Time:18:01 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 4.7/5.0
Reviews:
 

HSBC logo

HSBC: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:€7.5 EUR (.15%)
Exchange Rate:1.0612 (3.45% from mid-rate)
To Amount:5,298.04 USD
Total Cost:3.59%
Difference:
153 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Deutsche Bank logo

Deutsche Bank: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:€50 EUR (1%)
Exchange Rate:1.0602 (3.54% from mid-rate)
To Amount:5,247.99 USD
Total Cost:4.5%
Difference:
204 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Citibank logo

Citibank: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:12
Exchange Rate:1.0515 (4.33% from mid-rate)
To Amount:5,244.88 USD
Total Cost:4.56%
Difference:
207 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Santander logo

Santander: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:20
Exchange Rate:1.0471 (4.73% from mid-rate)
To Amount:5,214.56 USD
Total Cost:5.11%
Difference:
237 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 2/5.0
Reviews:
 

Bank of Ireland logo

Bank of Ireland: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:€50 EUR (1%)
Exchange Rate:1.0471 (4.73% from mid-rate)
To Amount:5,183.15 USD
Total Cost:5.68%
Difference:
268 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:12
Exchange Rate:1.0439 (5.02% from mid-rate)
To Amount:5,183 USD
Total Cost:5.69%
Difference:
268 USD less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 

Crédit Agricole logo

Crédit Agricole: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:€50 EUR (1%)
Exchange Rate:1.0396 (5.41% from mid-rate)
To Amount:5,146.02 USD
Total Cost:6.36%
Difference:
305 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

BNP Paribas logo

BNP Paribas: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:€50 EUR (1%)
Exchange Rate:1.0386 (5.5% from mid-rate)
To Amount:5,141.07 USD
Total Cost:6.45%
Difference:
310 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

AIB Bank logo

AIB Bank: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:€50 EUR (1%)
Exchange Rate:1.0352 (5.81% from mid-rate)
To Amount:5,124.24 USD
Total Cost:6.76%
Difference:
327 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 

Sparkasse Bank logo

Sparkasse Bank: Foreign Transfer EUR→USD
From Amount:5,000 EUR
Fee:15
Exchange Rate:1.0118 (7.94% from mid-rate)
To Amount:5,043.82 USD
Total Cost:8.22%
Difference:
408 USD less than using OFX
Time:18:01 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 09/23/2019 - See full table

Example of the margins and possible savings when you order travel money online with a currency specialist rather than in-person from banks and currency kiosks.

Travel Money ProvidersAmount USD($)Exchange RateFee EURTotal CostDeal Links
Travelex Online logo
1,053.5 USD
Best Overall
1.053504.15%
Deutsche Bank Foreign Currency
Deutsche Bank logo
1,008.15 USD
45 USD
1.0235€158.27%
BNP Paribas Foreign Currency
BNP Paribas logo
1,002.93 USD
51 USD
1.0182€158.75%
La Poste Foreign Currency
La Poste logo
1,002.93 USD
51 USD
1.0182€158.75%
Citibank Foreign Currency
Citibank logo
1,002.77 USD
51 USD
1.0129€108.76%
Banks - Average Rate
Deutsche Bank logo Citibank logo Sparkasse Bank logo HSBC logo Bank of Ireland logo Crédit Agricole logo AIB Bank logo BNP Paribas logo La Poste logo
994.13 USD
59 USD
1.0054€109.55%
Crédit Agricole Foreign Currency
Crédit Agricole logo
992.49 USD
61 USD
1.0076€159.7%
Bank of Ireland Foreign Currency
Bank of Ireland logo
991.19 USD
62 USD
1.0012€109.82%
AIB Bank Foreign Currency
AIB Bank logo
989.11 USD
64 USD
0.9991€1010.01%
Sparkasse Bank Foreign Currency
Sparkasse Bank logo
981.78 USD
72 USD
0.9917€1010.67%
HSBC logo
975.80 USD
78 USD
0.9758011.22%
 

Travelex Online logo

Travelex Online: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:undefined
Exchange Rate:1.0535 (4.15% from mid-rate)
To Amount:1,053.5 USD
Total Cost:4.15%
Time:
Rate Fetched: Mon Sep 23 2019 18:00:04 GMT+0000 (UTC)
Currency Services:FREE Home delivery & Branch pickup
Delivery/Collect:2-3 days
Rating:
 
: 4.3/5.0
Reviews:
 

Deutsche Bank logo

Deutsche Bank: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€15 EUR (Minimum fee)
Exchange Rate:1.0235 (6.88% from mid-rate)
To Amount:1,008.15 USD
Total Cost:8.27%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

BNP Paribas logo

BNP Paribas: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€15 EUR (Minimum fee)
Exchange Rate:1.0182 (7.36% from mid-rate)
To Amount:1,002.93 USD
Total Cost:8.75%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

La Poste logo

La Poste: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€15 EUR (Minimum fee)
Exchange Rate:1.0182 (7.36% from mid-rate)
To Amount:1,002.93 USD
Total Cost:8.75%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Citibank logo

Citibank: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€10 EUR (1%)
Exchange Rate:1.0129 (7.84% from mid-rate)
To Amount:1,002.77 USD
Total Cost:8.76%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Banks - Average Rate

Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€10 EUR (1%)
Exchange Rate:0.9705 (11.7% from mid-rate)
To Amount:994.13 USD
Total Cost:9.55%
Currency Services:Branch
Delivery/Collect:-
 

Crédit Agricole logo

Crédit Agricole: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€15 EUR (Minimum fee)
Exchange Rate:1.0076 (8.32% from mid-rate)
To Amount:992.49 USD
Total Cost:9.7%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Bank of Ireland logo

Bank of Ireland: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€10 EUR (1%)
Exchange Rate:1.0012 (8.91% from mid-rate)
To Amount:991.19 USD
Total Cost:9.82%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

AIB Bank logo

AIB Bank: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€10 EUR (1%)
Exchange Rate:0.9991 (9.1% from mid-rate)
To Amount:989.11 USD
Total Cost:10.01%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

Sparkasse Bank logo

Sparkasse Bank: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:€10 EUR (1%)
Exchange Rate:0.9917 (9.77% from mid-rate)
To Amount:981.78 USD
Total Cost:10.67%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 

HSBC logo

HSBC: Travel Money EUR→USD
From Amount:1,000 EUR
Fee:
Exchange Rate:0.9758 (11.22% from mid-rate)
To Amount:975.80 USD
Total Cost:11.22%
Time:18:01 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Snapshot 09/23/2019 - See full table

EUR / USD converter & margin calculator

€EUR
$USD
mid-rates

Compare how much you can save on EUR/USD exchange rates for:

Foreign Transfers Travel Money

Foreign Transfers Travel Money

Euro

United States Dollar

1 EUR 1.0997 USD
5 EUR 5.4985 USD
10 EUR 11.00 USD
20 EUR 21.99 USD
50 EUR 54.99 USD
100 EUR 109.97 USD
250 EUR 274.93 USD
500 EUR 549.85 USD
1,000 EUR 1,099.70 USD
2,000 EUR 2,199.40 USD
5,000 EUR 5,498.50 USD
10,000 EUR 10,997.00 USD
50,000 EUR 54,985.00 USD
100,000 EUR 109,970.00 USD
See more

Euro

United States Dollar

0.9093 EUR 1 USD
4.5465 EUR 5 USD
9.0930 EUR 10 USD
18.19 EUR 20 USD
45.47 EUR 50 USD
90.93 EUR 100 USD
227.33 EUR 250 USD
454.65 EUR 500 USD
909.30 EUR 1,000 USD
1,818.60 EUR 2,000 USD
4,546.50 EUR 5,000 USD
9,093.00 EUR 10,000 USD
45,465.00 EUR 50,000 USD
90,930.00 EUR 100,000 USD
See more
Country Guides (EUR & USD)
United StatesUnited States (USD)EurozoneEurozone (EUR)Aaland IslandsAaland Islands (EUR)
AndorraAndorra (EUR)AustriaAustria (EUR)BelgiumBelgium (EUR)
CyprusCyprus (EUR)EstoniaEstonia (EUR)FinlandFinland (EUR)
FranceFrance (EUR)French GuineaFrench Guinea (EUR)French Southern TerritoriesFrench Southern Territories (EUR)
GermanyGermany (EUR)GreeceGreece (EUR)GuadeloupeGuadeloupe (EUR)
Vatican CityVatican City (EUR)IrelandIreland (EUR)ItalyItaly (EUR)
LuxembourgLuxembourg (EUR)MaltaMalta (EUR)MartiniqueMartinique (EUR)
MayotteMayotte (EUR)MonacoMonaco (EUR)MontenegroMontenegro (EUR)
NetherlandsNetherlands (EUR)PortugalPortugal (EUR)ReunionReunion (EUR)
Saint BarthélemySaint Barthélemy (EUR)Saint MartinSaint Martin (EUR)Saint Pierre And MiquelonSaint Pierre And Miquelon (EUR)
San MarinoSan Marino (EUR)SlovakiaSlovakia (EUR)SloveniaSlovenia (EUR)
SpainSpain (EUR)East TimorEast Timor (USD)EcuadorEcuador (USD)
El SalvadorEl Salvador (USD)British Virgin IslandsBritish Virgin Islands (USD)US Virgin IslandsUS Virgin Islands (USD)
Caribbean NetherlandsCaribbean Netherlands (USD)Turks And Caicos IslandsTurks And Caicos Islands (USD)ZimbabweZimbabwe (USD)

EUR/USD - Historical Trends

This table shows historic rates and trends of Euro to United States Dollar over periods upto 10 years.

PeriodChange*EUR/USDDate
1 Day-0.2%1.104519 Sep 2019
7 Day-1%1.113013 Sep 2019
30 Day-0.6%1.109121 Aug 2019
3 Month-3.2%1.138722 Jun 2019
1 Year-6.4%1.177720 Sep 2018
5 Year-14.1%1.283521 Sep 2014
10 Year-25.5%1.479322 Sep 2009

*For period to 20-Sep 21UTC when EUR/USD was 1.1020

You can use our EUR interactive charts to check EURUSD historic trends.

Get a Better FX Deal when you Send and Spend Abroad.

 

EURUSD blended flags

EUR and USD in the Markets

When determining the best time to make a foreign exchange transaction, in this case the EUR vs USD, you should pay attention to the recent market trends for both currencies.

 

Euro (EUR)

Euro sentiment dipped in mid-June after the ECB, like other major central banks of the world, ramped up its dovish rhetoric. It said that there was “considerable room” for further quantitative easing and that it would consider negative interest rates. Ordinarily, this would spark an extended euro decline but since other major currencies are also wrestling with easier central bank policies, euro depreciation may be contained.

In spite of Brexit, a slowdown in economic growth, Italian risks and persistently weak inflation — an important measure of inflation expectations fell in June to a record low — the euro did fantastically well against the Australian dollar, New Zealand dollar and British pound between mid-April and mid-June. Due to a stronger US dollar, EUR/USD was down 2 percent on the year at $1.12, close to long-term lows.

Read more in the article EUR Forecasts.

 

United States Dollar (USD)

The US dollar has held its value this year despite a serious escalation in US-China trade tensions, mainly because the greenback is still considered a safer currency to own than most others. After grim employment data on June-7, the Dollar Index was up 0.5 percent on the year (it had fallen 2 percent from May’s 2-year high).

As in other parts of the world, interest rate cuts are now expected in the US following a drastic shift in economic forecasts. At least two Fed cuts are expected this year, with the first most likely to come in July.

Taking the blame for the economic downturn is US President Donald Trump, whose trade policies have set a ball rolling that could wipe $455bn from global output according to the IMF.

Read more in the article USD Forecasts.

Why can't I just get the EUR/USD market rate I see online or in the media?

The mid-rate is the rate you will see quoted online or the news. It is actually just the half-way point (hence mid-rate) between the last rate at which the EUR / USD was traded (bought or sold) in the international markets.

All foreign exchange providers charge a fee for providing their service and this fee is usually contained within the exchange rate margin (or difference to the mid-rate). Some providers such as Transferwise will quote you the mid-rate (or close to) and charge a separate percentage fee.

EURUSD blended flags

Getting a good market rate is mainly about timing however the transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.

Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.

We help you Compare & Save Money on Exchange Rates.

 

View all EUR Exchange Rates