Live mid-market rates
The real interbank mid-market rate for 7 major payment pairs — no margin, no markup, the same number your bank starts from before it adds its spread. Pick a pair to expand the chart, the timing score and the events around it.
A 0–100 read that weighs how this rate has moved recently against how risky the days ahead look — how much the pair is swinging, and whether big events like central-bank decisions are coming up. Higher means calmer, steadier conditions; lower means choppier ones.
- Upcoming eventsUS Core PCE inflation in 4 days — historically moves EUR/USD by ~0.5%favors converting
- VolatilityAnnualized volatility 4.1% — calm for this pairfavors converting
- TrendRate has moved 0.00% in your favour over 7 daysneutral
low volatility (4.1% annualized) · US Core PCE inflation in 4 days
Assumes you hold USD and are buying EUR. Scored from a USD seller's perspective.
Not personalized. This is a live read of market conditions for this pair, not a score for your specific payment. Reflects historical patterns in the data only. Not a recommendation and does not predict future rate movements.
The data behind it
Next: US Core PCE inflation in 4 days — historically a driver of EUR/USD volatility, so timing a conversion around it can meaningfully change what you receive.
Volatility and timing signals are based on recent historical data under normal market conditions. Extraordinary events may cause movements significantly outside these ranges.
Rates shown are indicative only and are not a quote or an offer to transact. Informational only — not financial advice.
How to read these rates
What is the mid-market rate?
The mid-point between what buyers are bidding and sellers are asking for a currency pair on the interbank market. It is the rate you see on Google or Reuters, and the only rate with no margin built into it.
Why doesn't your bank give you this rate?
Banks and brokers quote you a rate that already includes their margin — typically a spread applied to the mid-market rate rather than a disclosed fee. The gap between the two is the real cost of the conversion.
Why does timing matter as much as the spread?
A pair can move more in a fortnight than a typical provider margin costs you. The timing score below reads recent movement against upcoming volatility and scheduled events, so you can see what conditions look like around a payment date.
Read the full explainer: What is the mid-market rate, and why does your bank never give it to you? →
See these rates against your own payment dates
Add an FX requirement and FXForesight scores the timing around its due date, tracks the events that move the pair, and alerts you on the level you care about.
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