How Exchange Rates Work
Exchange rates show how much one currency is worth in another, such as USD to INR or EUR to USD. Rates move constantly based on inflation, interest rates, trade flows, and market sentiment, so a currency converter is best used as a quick estimate before a transfer, purchase, or trip.
Why Your Final Rate May Differ
Banks, cards, and exchange counters usually add a spread or fee on top of the market rate. That means the amount you actually receive can be lower than the calculator result, especially at airports, hotels, and card issuers with foreign transaction fees.