USD to EUR Exchange Rate & Bank Wire Fee Comparison (2026)
Convert US Dollar (USD) to Euro (EUR). The live interbank midpoint rate is 1 USD = 0.9245 EUR. Compare hidden currency conversion spreads across major international wire systems.
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USD to EUR Historical Exchange Rates
Official central bank reference rates across 30-day, quarterly, and annual lookbacks.
| Period | Interbank Midpoint | Yield on $1,000 | Trend / Variance |
|---|---|---|---|
| Today (Interbank Midpoint) | 1 USD = 0.9245 EUR | €924.50 | Current Live Rate |
| 30 Days Ago | 1 USD = 0.9208 EUR | €920.80 | +0.4% (Higher) |
| 90 Days Ago (Quarterly) | 1 USD = 0.9356 EUR | €935.59 | -1.2% (Lower) |
| 180 Days Ago (Half-Year) | 1 USD = 0.9051 EUR | €905.09 | +2.1% (Higher) |
| 1 Year Ago (52W Midpoint) | 1 USD = 0.9245 EUR | €924.50 | +0.0% vs Annual Baseline |
USD to EUR Delivery & Settlement Windows
Estimated delivery windows based on standard clearing rails and banking cut-off schedules.
Local Automated Clearing
Transfers settling through local domestic rails (SEPA (Single Euro Payments Area) / IBAN) typically clear within hours during standard operating windows.
Correspondent Banking
Traditional commercial banks route through intermediary correspondent networks, adding clearing stops and compliance verifications.
Cut-off & Holiday Factors
Wires sent after Friday 15:00 local time or during official bank holidays in either origin or destination will hold until Monday morning.
Important Clearing Disclaimer: Settlement timeframes are estimates based on standard bank operating windows and domestic clearing rail architectures (SEPA (Single Euro Payments Area) / IBAN). Actual arrival is subject to originating bank cut-off deadlines, correspondent intermediary verification checkpoints, and international AML/KYC screening. Not a contractual arrival guarantee.
Required Details to Wire USD to EUR
Make sure you have these exact payment credentials before initiating your transfer.
Beneficiary Full Name
Exact match as registered on recipient bank account.
SEPA (Single Euro Payments Area) / IBAN
IBAN, Account Number, or local domestic routing code.
SWIFT / BIC Code
8 or 11 character identifier of the recipient's bank branch.
Payment Reference
Invoice number or descriptive reference for AML compliance.
USD vs EUR: Central Bank Policy & Inflation Matrix
Official interest rate benchmarks and consumer price index (CPI) differentials shaping cross-border value.
US Dollar (USD)
Federal Reserve (Fed)
5.0%
Benchmark rate2.8%
Consumer pricesEuro (EUR)
European Central Bank (ECB)
3.75%
Benchmark rate2.2%
Consumer pricesMacroeconomic Policy Notice: Central bank interest rates and CPI metrics are compiled from public statistical releases (Federal Reserve (Fed), European Central Bank (ECB)) for macroeconomic educational context. They do not constitute retail banking deposit guarantees or investment advice. WireCompare does not provide portfolio management or trading services.
52-Week Exchange Rate Position
Compare Wire Transfer Costs: USD to EUR
Estimates based on standard retail bank margins vs direct interbank rail settling.
Direct Midpoint Rail
0.0% Rate Markup (Interbank)
€924.50
Maximum Yield
Commercial Banks
~3.2% Hidden FX Margin
€872.53
-Lost to Hidden Margin
Global Wallets
3.5% Currency Spread
€887.41
Closed loop balance
Cash Remittance
Retail Spread + Cash Fee
€896.12
Physical cash pickup
USD to EUR Fast Conversion Matrix
Direct interbank rate values compared against typical commercial bank payouts.
🇺🇸 USD to 🇪🇺 EUR
1 USD = 0.9245 EUR| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| $1 USD | €0.92 EUR | €0.00 | -€17.93 |
| $5 USD | €4.62 EUR | €0.00 | -€18.05 |
| $10 USD | €9.24 EUR | €0.00 | -€18.19 |
| $25 USD | €23.11 EUR | €4.47 | -€18.64 |
| $50 USD | €46.23 EUR | €26.85 | -€19.38 |
| $100 USD | €92.45 EUR | €71.59 | -€20.86 |
| $250 USD | €231.12 EUR | €205.83 | -€25.29 |
| $500 USD | €462.25 EUR | €429.56 | -€32.69 |
| $1,000 USD | €924.50 EUR | €877.02 | -€47.48 |
| $5,000 USD | €4,622.50 EUR | €4,456.68 | -€165.82 |
| $10,000 USD | €9,245.00 EUR | €8,931.26 | -€313.74 |
🇪🇺 EUR to 🇺🇸 USD (Reverse)
1 EUR = 1.0817 USD| Amount | Mid-Market Rate | Bank Payout | Hidden Spread |
|---|---|---|---|
| €1 EUR | $1.08 USD | $0.00 | -$20.98 |
| €5 EUR | $5.41 USD | $0.00 | -$21.11 |
| €10 EUR | $10.82 USD | $0.00 | -$21.29 |
| €25 EUR | $27.04 USD | $5.24 | -$21.81 |
| €50 EUR | $54.08 USD | $31.41 | -$22.67 |
| €100 EUR | $108.17 USD | $83.76 | -$24.40 |
| €250 EUR | $270.42 USD | $240.82 | -$29.59 |
| €500 EUR | $540.83 USD | $502.59 | -$38.25 |
| €1,000 EUR | $1,081.67 USD | $1,026.11 | -$55.55 |
| €5,000 EUR | $5,408.33 USD | $5,214.32 | -$194.01 |
| €10,000 EUR | $10,816.66 USD | $10,449.59 | -$367.07 |
0.9245
1 USD = €0.9245
1.0817
1 EUR = $1.0817
0.8875 - 0.9615
Annual volatility band
SEPA (Single Euro Payments Area) / IBAN
Clearing rail for EUR