Live mid-market rates
The real interbank mid-market rate for 7 major requirement currency pairs — no margin, no markup, the same number your bank starts from before it adds its spread. Pick a currency 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 currency pair is swinging compared with what is normal for it, and whether big events like central-bank decisions are coming up. Higher means the currency pair has been steadier than usual with little scheduled risk; lower means bigger-than-usual swings, events due, or both.
- VolatilitySwinging ~4.1% a year vs ~7% typical for EUR/USD — historically lowfavors waiting
- Upcoming eventsUS Core PCE inflation tomorrow — has historically moved EUR/USD by ±0.5% in either directionneutral
- TrendRate has moved 0.00% in your favour over 7 daysneutral
swings of ~4.1% a year vs ~7% typical for EUR/USD (historically low) · US Core PCE inflation tomorrow
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 currency pair, not a score for your specific requirement. 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 tomorrow — 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 currency 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 requirement 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 requirement dates
Add an FX requirement and FXForesight scores the timing around its due date, tracks the events that move the currency pair, and alerts you on the level you care about.
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