Currency converter and exchange rate risk
Conversion at the European Central Bank’s official reference rates, and what happens to your margin if the currency moves ten per cent.
Converting is the easy part and anyone does it. The part that matters to an exporter is the one below: if you quote in your customer’s currency and get paid at ninety days, the price is fixed and the rate is not. A ten per cent move in the pair does not take ten per cent of your revenue: it takes a slice of your margin, which is considerably more, and that difference does not show until the transfer lands.
ECB rates for 2026-09-28
What happens to your margin if the currency moves
You quote in your customer’s currency and get paid weeks or months later. The price is fixed; the rate is not. A ten per cent move does not take ten per cent of your revenue: it takes a slice of your margin, which is considerably more.
| Rate movement | Rate | You receive in euros | Margin left | Against today |
|---|---|---|---|---|
| -15 % | 0.9671 | 124,078.46 € | 37.14 % | +18,611.77 € |
| -10 % | 1.024 | 117,185.21 € | 33.44 % | +11,718.52 € |
| -5 % | 1.0809 | 111,017.57 € | 29.74 % | +5,550.88 € |
| Today | 1.1378 | 105,466.69 € | 26.04 % | — |
| +5 % | 1.1947 | 100,444.47 € | 22.35 % | -5,022.22 € |
| +10 % | 1.2516 | 95,878.81 € | 18.65 % | -9,587.88 € |
| +15 % | 1.3085 | 91,710.17 € | 14.95 % | -13,756.52 € |
+ %: Currency weakens against the euro
European Central Bank reference rates, published once a day at around 16:00 CET. These are not dealing rates: your bank will apply its own, with its spread and its fee. They are for deciding a price, not for settling a deal.
European Central Bank ↗Prices per country, with their currency and their duty
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