Exchange rates
USD to EUR
Convert USD and EUR
1,000.00 USD =
888.65 EUR
1 USD = 0.888652 EUR
ECB reference rate of 2026-10-16
This is the mid-market rate. Banks and card networks add their own markup on top.
The current rate sits at the 85th percentile of the last 90 days.
- 52-week high
- 0.894694
- 2026-10-07
- 52-week low
- 0.835143
- 2026-01-28
- 30-day change
- +3.28%
- 1-year change
- -
Sending 1,000 USD: what each method costs
The mid-market rate is the honest one. Everything below is what you actually get after fees and exchange-rate markup.
USDT on-chain
- Recipient gets
- 886.32 EUR
- Lost vs mid-market
- −2.33
- Total cost
- 0.26%
Wise
- Recipient gets
- 883.15 EUR
- Lost vs mid-market
- −5.5
- Total cost
- 0.62%
PayPal
- Recipient gets
- 844.75 EUR
- Lost vs mid-market
- −43.9
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 842.06 EUR
- Lost vs mid-market
- −46.59
- Total cost
- 5.24%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 886.32 EUR | −2.33 | 0.26% |
| Wise | 883.15 EUR | −5.5 | 0.62% |
| PayPal | 844.75 EUR | −43.9 | 4.94% |
| Bank wire (SWIFT) | 842.06 EUR | −46.59 | 5.24% |
Fees surveyed on 2026-07-27
Try your own amount
Cheapest here: USDT via WorkTGT. The recipient gets 886.43 EUR.
USDT via WorkTGTCheapest
- Recipient gets
- 886.43 EUR
- Fees
- 1.00 USD
- Lost vs mid-market
- −2.22 EUR
- Total cost
- 0.25%
Wise
- Recipient gets
- 883.15 EUR
- Fees
- 6.19 USD
- Lost vs mid-market
- −5.50 EUR
- Total cost
- 0.62%
PayPal
- Recipient gets
- 844.75 EUR
- Fees
- 20.00 USD
- Lost vs mid-market
- −43.90 EUR
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 842.06 EUR
- Fees
- 28.13 USD
- Lost vs mid-market
- −46.59 EUR
- Total cost
- 5.24%
How these numbers are worked out
- Every method assumes you spend exactly the amount above, with fees taken out of it, and is measured against the mid-market rate.
- Bank wire: 25 EUR in sending and intermediary fees, plus a 2.5% markup on the exchange rate.
- Wise: 1.5 EUR plus 0.45% of the amount, converted at the mid-market rate.
- PayPal: 2% of the amount, plus a 3% markup on the exchange rate.
- USDT via WorkTGT: 0.1% of the payout (min 0.5, max 5 USDT), network gas included. USDT is counted at 1 USD, plus a 0.15% spread when the recipient converts USDT to local currency.
Provider fees surveyed on 2026-07-27. They vary by country, bank and amount, so check with your provider before a large transfer. Exchange rate: ECB reference rate of 2026-10-16.
Choosing the wrong route costs you 44 EUR on this transfer.
WorkTGT settles team payouts in USDT through a Safe multisig. Every payment is approved internally first, signed by your own wallets, and provable on-chain. We never hold your funds. Using it is free; each executed payout costs 0.1% (min 0.5, max 5 USDT), network gas included.
Run team payouts with approvalsFAQ
What is the USD to EUR exchange rate today?
This page shows the European Central Bank reference rate for USD/EUR, updated every publication day. It is the mid-market rate: the midpoint between buy and sell, before any provider's markup.
What is the cheapest way to send money abroad?
It depends on the amount. Fixed fees dominate small transfers while exchange-rate markup dominates large ones. A 2.5% bank markup on a large payment costs far more than any flat fee. The table on this page computes both for the amount you are sending.
Where do these rates come from?
Rates come from the European Central Bank's daily reference rates, with the Russian rouble sourced from the Central Bank of Russia because the ECB stopped publishing it in 2022.