Dollar ↔ Euro Converter
Quickly convert between the US dollar (USD) and the euro (EUR). The preset rate is the European Central Bank reference rate of October 30, 2026 (1 EUR = 1.1172 USD, so 1 USD ≈ 0.895 EUR). It is not live: replace it with today's rate for an up-to-date result.
This tool provides an estimate for information only and is not financial advice. The actual rate you receive depends on your bank, your card and any exchange fees.
Common conversions (1 USD = 0.895 EUR, rate of Oct. 30, 2026)
These figures are rough guides. The real rate changes daily; edit the rate field above for an up-to-date result.
| Dollars (USD) | Euros (≈) |
|---|---|
| $1 | ≈ €0.90 |
| $5 | ≈ €4.48 |
| $10 | ≈ €8.95 |
| $20 | ≈ €17.90 |
| $50 | ≈ €44.75 |
| $100 | ≈ €89.50 |
Conversion formula
Dollars to euros:
euros = dollars × rate
Euros to dollars:
dollars = euros ÷ rate
The shelf price is not the price you pay
The classic trap for European visitors: in the US, the price on the tag is almost always before tax. There is no VAT included as in Europe. Sales tax is added at the register, and the rate varies by state and city (no statewide sales tax in Alaska, Delaware, Montana, New Hampshire or Oregon; over 10% in some cities once local taxes are included).
- Tax at checkout: a $20 item may ring up at $21.80 once tax is added.
- Tipping: in restaurants and many services, 15–20% is added on top. This raises the real cost above the menu price.
- Realistic budgeting: count the shelf price + tax + tip where applicable.
For an overview of spending, see our guide to the cost of living in the US.
The rate shown vs. the rate you pay
A reference rate is a benchmark, not the rate you will get. Banks, cards and exchange desks add a margin or fees. To estimate the real cost, look at two things: the gap from the reference rate and any flat fee per transaction.
| Payment method | Usual cost | Check before you travel |
|---|---|---|
| No-foreign-fee card | Close to the card network rate | Your card agreement |
| Standard bank card | A percentage fee, often 1–3% | Your bank's fee schedule |
| ATM withdrawal | Bank fee plus ATM operator fee | The amount shown before you confirm |
| Airport exchange desk | High margin | Its rate against the ECB rate |
Example: at 0.895, a $100 bill equals €89.50. With a 2% card fee it costs about €91.30. These percentages are ballpark figures; your bank's schedule is what counts. If you think in pounds, the same ECB fixing works out to about 1 USD = 0.75 GBP: type that rate in the box and read the euro field as pounds.
Budgeting: from menu price to euros
- Start with the listed price, say a $40 meal.
- Add local sales tax (8% in this example): $43.20.
- Add the tip on the $40 subtotal (18%, or $7.20): $50.40.
- Convert the total: about €45.11 at 0.895.
Cards, cash and exchange
- Cards rule: Visa and Mastercard are accepted almost everywhere. Favor a card with no foreign-transaction fees.
- Cash: useful for small tips and some businesses. Bills run from $1 to $100; the everyday coins are the nickel (5¢), dime (10¢) and quarter (25¢). The penny (1¢) stopped being struck for circulation in late 2025 but remains legal tender, and some stores now round cash payments to the nearest 5 cents.
- Decline on-the-spot conversion (DCC): when paying, choose to be charged in dollars rather than letting the terminal convert to euros at an often-unfavorable rate.
- Where to exchange: avoid airport exchange desks (poor rates). Prefer an ATM withdrawal with a suitable card, and decline the machine's offered conversion.
Frequently asked questions
Is the displayed rate live?
No. The default rate (1 USD = 0.895 EUR) is the European Central Bank reference rate of October 30, 2026, and it is not updated automatically. Enter today's rate from your bank or the ECB for an up-to-date result.
Why is the price I pay higher than the tag?
Because sales tax is not included in the displayed price and is added at the register. Depending on the state and city, it is usually a few percent up to more than 10%. Tipping is added on top in restaurants and many services.
Should I pay in dollars or euros with my card?
Always choose to pay in dollars (the local currency). The dynamic currency conversion (DCC) offered by some terminals applies a worse rate and hidden fees.
How much should I tip?
In restaurants, 15–20% of the pre-tax bill is typical; our tip calculator does the math. For budgeting, add that percentage to the listed price, then convert the total to euros with the tool above.
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