valuta.exchange

Valuta EX compares retail exchange rates by showing a table of typical markups applied by different conversion channels, all measured against the mid-market rate. On the USD/EUR page, for example, the mid-market rate is listed as 1 USD = 0.87791 EUR, and the comparison table then shows what you would actually receive at markups of 0%, 1%, 2%, 3%, 4%, and 5%. This lets you see the cost of each channel in both percentage and currency terms before you decide where to convert.

The mid-market rate is the baseline

Valuta EX describes its published rates as mid-market rates derived from live market data and refreshed hourly. The mid-market rate is the midpoint between buy and sell prices in the wholesale currency market — it is not a rate any retail customer can actually get, but it is a fair reference point.

Every retail channel adds something on top of that baseline: a spread, a commission, or both. The comparison table makes that markup explicit instead of hiding it in a single quoted rate.

What the comparison table shows

For USD to EUR, the table lists six rows:

Two things are worth noting about how to read this:

• The 0% row is the interbank rate. It represents the theoretical best case — the mid-market rate with no markup. It is a benchmark, not an offer.
• The labeled rows are typical allowances, not guarantees. Valuta EX calls them "typical allowance of various retail currency exchange markets." Your actual ATM, card, or kiosk rate depends on your bank, your card network, and the specific operator.

The table also scales the comparison to larger amounts, so you can see the absolute cost. At the 2% ATM rate, 100 USD converts to 86 EUR instead of 87.79 EUR at the interbank rate — a difference of about 1.79 EUR on a single transaction.

How to use the comparison to pick a channel

The table is most useful as a rough ranking of cost, from cheapest to most expensive:

1. Interbank / mid-market (0%) — reference only; not accessible to retail customers.
2. Low-markup channels (1%) — often associated with multi-currency accounts or specialized transfer services.
3. ATM rate (2%) — typically includes the ATM operator's spread plus possible fixed fees not shown in the percentage.
4. Credit card rate (3%) — usually bundles a network conversion fee with the issuer's foreign transaction fee.
5. Higher markups (4%) — less common retail scenarios.
6. Kiosk rate (5%) — airport and tourist-area counters, where convenience carries the highest visible cost.

A practical way to use this: if you are deciding between withdrawing cash at an ATM abroad and paying by card, the table suggests the ATM markup (2%) is lower than the card markup (3%) in this example. But check whether your bank adds a fixed ATM fee — a flat fee can flip the ranking for small withdrawals.

What the table does not tell you

The comparison is a model, not a live quote from your bank. Keep these limits in mind:

• Fixed fees are excluded. A 2% ATM rate plus a $5 fixed fee is worse than 3% on a small withdrawal but better on a large one.
• Rates change hourly. The mid-market rate shown was updated 8 minutes before the page snapshot, and the whole table shifts with it.
• "Typical" is an average. Your specific card or bank may sit above or below the labeled row.

For a concrete decision, use the table to identify which channel is likely cheapest, then check your own provider's actual fee schedule against that assumption.

Checking a different currency pair

The same comparison structure applies to other pairs on Valuta EX. To see it for a pair you care about, open the converter, select your two currencies, and look for the comparison table below the main rate. The site covers over 160 world currencies, and each pair page follows the same mid-market-plus-markup format, so the method of reading the table stays the same even when the numbers change.

Valuta EX is a browser-based currency converter that covers more than 160 world currencies and is aimed at travelers who need a quick rate check. It shows mid-market exchange rates derived from live market data and refreshed hourly, so it is useful for estimating what a purchase or withdrawal is worth — not for locking in a rate you will actually get from a bank, card, or kiosk.

What the site actually does

The core function is a two-currency conversion. On the USD/EUR example shown on the site, the page displays:

• The pair and current rate (USD/EUR 0.87791)
• A timestamp for the last update ("updated 8 minutes ago")
• A note that rates are mid-market rates from live market data, refreshed hourly
• A shareable link in the form https://valuta.exchange/usd-to-eur?amount=1

It also lists which countries or territories use each currency. The US Dollar entry, for instance, names the United States along with American Samoa, Ecuador, El Salvador, Panama, Puerto Rico, and others; the Euro entry lists Austria, Belgium, Germany, France, Italy, Spain, and more.

Rate comparison: the part travelers should read first

The most decision-relevant feature is the comparison table, which shows how much of a conversion you lose at different retail channels. Using the site's own USD-to-EUR figures at a 0.87791 mid-market rate:

The takeaway: the gap between the interbank rate and a kiosk rate is roughly 0.05 EUR per dollar in this example. On a 1,000 USD conversion that spread is about 50 EUR. Use the table to sanity-check a quoted rate before you accept it — if a counter or ATM offers something close to the kiosk row, you are paying near the top of the typical range.

Conversion tables for common amounts

Below the comparison, the site provides ready-made tables so you do not have to type amounts one at a time. For USD to EUR it lists 1, 5, 10, 20, 50, 100, 250, 500, and 1,000 USD, and it does the same in reverse for EUR to USD (1 EUR = 1.13 USD in the example). This is handy for quick mental math at a market stall or when checking a hotel bill.

How to use it

1. Open the converter and pick your source and target currencies.
2. Read the rate and the "updated" timestamp — if it is close to an hour old, the next refresh is due soon.
3. Check the comparison table to see what a realistic retail rate looks like for that pair.
4. Use the amount table or the shareable ?amount= link if you want to send a specific figure to someone else.

Expected result: a mid-market estimate plus a realistic range for what you will actually receive. The site does not quote buy/sell spreads from a specific provider, so treat its numbers as a benchmark rather than an offer.

Limits worth knowing

• Rates are mid-market and refreshed hourly, so they can differ from the rate your bank or card network applies at the moment of the transaction.
• The comparison rows are described as "typical allowance of various retail currency exchange markets" — they are illustrative, not quotes from named providers.
• The site covers over 160 currencies, including some non-fiat entries such as AAVE, ADA, and BCH, so check that you have selected the right asset if you are converting crypto.
• For background on coins, banknotes, and currency history, the site points to related Wikipedia pages rather than hosting that content itself.

If you want a fast, no-frills benchmark before you exchange money abroad, Valuta EX fits that job. If you need a guaranteed rate or a transaction, you will still have to go through a bank, card issuer, ATM, or exchange desk.

Valuta EX uses mid-market rates derived from live market data, refreshed hourly. Each conversion page shows when the rate was last updated (for example, "updated 8 minutes ago" on the USD/EUR page), so you can judge how fresh the number is before relying on it. This makes it a reasonable reference point for travelers checking what a currency is "worth" at a given moment — but not a quote you can transact at, because no bank, ATM, or kiosk actually gives you the mid-market rate.

What "mid-market rate" means here

The mid-market rate is the midpoint between the buy and sell prices banks use when trading currencies with each other. It sits between the two and carries no markup, fee, or profit margin.

That has two practical consequences:

• It is a benchmark, not a price you can get. It tells you the "fair" middle of the market, which is why it's useful for comparison.
• Any real exchange you make will be worse than this number. The gap between the mid-market rate and what you actually receive is the cost of the service.

Valuta EX states this directly: its rates are mid-market rates derived from live market data. So when you see USD/EUR at 0.87791, that is the interbank midpoint at that moment — not what a currency counter will hand you.

How often rates update

Rates refresh hourly, and the page displays the last update time. On the USD/EUR page the rate was shown as updated 8 minutes ago, which tells you the timestamp reflects the most recent hourly refresh rather than a live tick-by-tick feed.

For travel budgeting this is usually fine — hourly movement in major pairs is typically small. For anything time-sensitive, check the displayed update time rather than assuming the number is current to the second.

Why the site also shows retail markups

Valuta EX doesn't just show the mid-market number. It includes a comparison of typical allowances across retail exchange channels, which is the part most useful for travelers. Using USD → EUR as the example on the site:

The takeaway: the mid-market rate is the top of that table, and every real-world method of getting euros sits below it. A kiosk at a 5% markup costs you noticeably more than an ATM at 2% on the same conversion.

How to use it for a real decision

1. Look up the pair you need (for example, USD to EUR) and note the mid-market rate and its update time.
2. Check the retail comparison table to see roughly what markup your intended method — ATM, card, or kiosk — typically carries.
3. Estimate your actual proceeds by applying that markup to the amount you're converting, not by using the mid-market figure directly.
4. Compare against your bank or card's stated foreign transaction fee to see whether the typical allowance shown matches your real cost.

The site also provides conversion tables for common amounts (1, 5, 10, 20, 50, 100, 250, 500, 1000) in both directions, which saves manual math for typical travel sums.

What it covers

Valuta EX supports over 160 world currencies, and each currency page notes where that currency is used — for instance, the US Dollar page lists the United States along with Ecuador, El Salvador, Panama, Puerto Rico, and others, while the Euro page lists the eurozone countries plus places like Monaco, San Marino, and Kosovo. It also links out to Wikipedia for background on coins, banknotes, and currency history.

One caveat worth noting: the currency list includes crypto assets such as AAVE, ADA, and BCH alongside conventional currencies. If you're converting between fiat currencies for travel, ignore those entries — they don't behave like a currency you'd withdraw from an ATM.

Bottom line

Valuta EX gives you an hourly-refreshed mid-market benchmark across 160+ currencies, plus a markup comparison that shows what ATMs, cards, and kiosks typically cost you on top. Use the mid-market rate to understand the fair value and the markup table to estimate what you'll actually get — the second number is the one that matters when you're deciding where to change money.

Valuta EX supports over 160 world currencies, covering major fiat currencies and a set of cryptocurrencies, and you can look up any specific rate either by picking two currencies in the converter or by opening a direct URL pair such as valuta.exchange/usd-to-eur. The rates shown are mid-market rates derived from live market data and refreshed hourly, so the figure you see is a market midpoint rather than a rate any bank or kiosk will actually give you.

What currencies are covered

The site states it provides accurate exchange rates for over 160 world currencies. The published currency list mixes traditional fiat money with crypto assets, for example:

• Fiat examples: USD (US Dollar), EUR (Euro), AED (UAE Dirham), AFN (Afghan Afghani), ALL (Albanian Lek), AMD (Armenian Dram), AUD (Australian Dollar), BGN (Bulgarian Lev), BDT (Bangladeshi Taka), BHD (Bahraini Dinar), BIF (Burundian Franc), and many more.
• Crypto examples: AAVE (Aave), ADA (Cardano), BCH (Bitcoin Cash).

Because the list runs alphabetically by currency code, it is easy to scan for a specific ticker rather than scrolling through country names.

How to find a specific rate

There are two practical routes, and both lead to the same number.

1. Use the converter

1. Select the source currency (for example, USD).
2. Select the target currency (for example, EUR).
3. Read the exchange rate line, which shows the pair and the value, e.g. Exchange rate USD / EUR 0.87791, along with how recently it was updated (the example shows "updated 8 minutes ago").

The converter also produces a conversion table so you do not have to calculate multiples yourself. For USD to EUR at that rate:

The reverse direction is listed too — EUR to USD starts at 1 EUR = 1.13 USD — so you can check both orientations without re-entering anything.

2. Open a direct currency-pair URL

If you already know the pair you want, the site exposes it as a URL pattern: https://valuta.exchange/usd-to-eur?amount=1. Changing the two currency codes in the path switches the pair, and the amount parameter sets the starting value. This is the fastest option when you are checking the same pair repeatedly.

Reading the rate correctly

The number Valuta EX displays is a mid-market rate, described on the page as derived from live market data and refreshed hourly. That matters for two reasons:

• It is a midpoint between buy and sell prices in the wholesale market, not a consumer price.
• Real-world providers add a margin on top. The site's own comparison table illustrates this with the USD/EUR example:

So if a kiosk or card issuer quotes you something close to 0.83 EUR per USD while Valuta EX shows 0.88, the gap is the provider's margin, not an error in the converter.

Common sticking points

• Don't treat the displayed rate as spendable. Use it as a benchmark to judge whether a provider's offer is reasonable.
• Check the update timestamp. The page shows when the rate was last refreshed; an older timestamp means the figure may have moved.
• Crypto tickers share the same list as fiat. Codes like ADA and BCH sit alongside country currencies, so confirm you have selected the asset you intended.
• For background on a currency itself — coins, banknotes, issuing countries, history — the site points to the related Wikipedia pages for each currency rather than hosting that detail itself.

Yes. The Valuta EX website references a "Mobile app Valuta EX" alongside its browser-based converter, so a mobile app exists as a companion to the site. The page itself does not list download links, supported platforms, or app-store listings, so you'll need to check your device's app store or the site directly to install it. What the page does confirm is the core capability you'd expect from the app: conversion across over 160 world currencies using mid-market rates refreshed hourly.

What the Valuta EX app is for

Valuta EX is a currency converter aimed at travelers. The same description applies to both the web tool and the mobile app: a simple, intuitive converter that provides accurate exchange rates for more than 160 world currencies.

If you're deciding whether the app is worth installing, the practical question is whether it does anything the website doesn't. Based on the page evidence, the app mirrors the site's core function — quick conversion at live rates — which is the main thing you'd want on a phone while traveling.

How the rates work

Understanding the rate model matters before you rely on any converter for real spending decisions.

• Mid-market rates. Valuta EX uses mid-market rates derived from live market data. This is the midpoint between buy and sell prices in the wholesale market — not the rate a bank, ATM, or kiosk will give you.
• Hourly refresh. Rates are refreshed hourly, so the number you see is recent but not tick-by-tick.
• Timestamp shown. The page displays an "updated X minutes ago" note (the example shows 8 minutes), so you can judge how fresh a given rate is.

Why the mid-market rate isn't what you'll pay

The page includes a comparison table showing how retail channels typically diverge from the interbank rate. Using USD to EUR as the example:

The takeaway: the app's rate is a reference point, not a promise. When you actually convert money through an ATM, card, or exchange counter, expect a spread of roughly 1–5% depending on the channel.

Using the converter

The conversion flow is the same whether you're on the app or the site:

1. Pick your two currencies. The page lists over 160 options, from major fiat currencies (USD, EUR) to others like AED, AUD, and even crypto tickers such as BTC-related entries.
2. Enter an amount. The site supports quick amounts (1, 5, 10, 20, 50, 100, 250, 500, 1000) and shows the converted result instantly.
3. Read the result and the timestamp. Check the "updated" note to confirm how current the rate is.
4. Reverse the pair if needed. The page provides both directions — for example, USD to EUR and EUR to USD — so you can convert either way.

Expected result: you get a converted figure at the mid-market rate, with a visible freshness timestamp.

Common sticking points

• No download details on the page. The site mentions the app but doesn't specify iOS vs. Android or provide store links. Search your app store for "Valuta EX" or look for a link on the site.
• Mid-market ≠ spendable rate. Don't budget your trip assuming you'll get the app's number at an ATM or counter. Use the comparison table above as a rough guide.
• Hourly updates. For volatile pairs, an hourly refresh can lag fast moves. Treat it as a good estimate, not a trading rate.
• Currency coverage. Over 160 currencies are listed, but if you need an obscure or unofficial rate, confirm your specific pair appears before relying on it.

Bottom line

Valuta EX does offer a mobile app, and it delivers the same core function as the website: fast conversion across 160+ currencies at mid-market rates refreshed hourly. Install it if you want a quick reference converter on your phone while traveling — just remember the rate you see is a market midpoint, and the rate you actually get will be lower once a bank, ATM, or kiosk takes its cut.