Currency converter
Any currency against any other at the mid-market rate, and the dollar leg that sits between them made visible.
See where today's rate sits
Pick a range to see the last day, week, month or year. Hover anywhere on the line for the rate on that date. The high, low and change for the period are under the chart.
How your money gets from one currency to the other
Your money passes through US dollars
Singapore dollars become US dollars, then pesos. Two steps, not one.
Kite holds it as US dollars
Receiving is free, holding is free, and we pay the network fees.
Spend those dollars anywhere
Tap your Kite card, or scan a shop's QR code.
| What you are doing | What we charge |
|---|---|
| Receiving crypto into your wallet | Free |
| Holding a dollar balance | Free |
| Network gas on supported chains | Covered by us* |
| Spending in US dollars | No added fee |
| Spending in any other currency | 1.8% |
* Sends beyond your free daily limit on a given chain carry a small, network-dependent fee.
Every rate on this page is traceable
None of these are our own quote. They are public market references, and the links go to the exact endpoints this page reads.
| What it feeds | Source | Refreshed |
|---|---|---|
| Spot rate for every pair | Coinbase exchange rates | Every 60 seconds |
| Price candles and the 24 hour move | Binance public market data | Every 60 seconds |
| Intraday currency candles | Kraken, Upbit and Bitkub | Every 60 seconds |
| Currency history and daily moves | European Central Bank, via Frankfurter | Once each business day |
| Currencies outside the ECB list (VND, TWD, AED) | Currency API on jsDelivr | Once a day |
Answers, without the hedging
What exchange rate does this converter use?
The mid-market rate, which is the midpoint between what buyers are bidding and what sellers are asking. It is the rate quoted on a market data screen and the right number to convert with, because nobody has taken a cut out of it yet.
It is a reference rate rather than a quote. Any bank, remittance service or card will differ from it by their own spread and fees.
Why do most currency pairs go through the US dollar?
Because that is where the liquidity is. Direct markets exist for a handful of the largest pairs, and everything else is a cross rate built from two dollar legs. Singapore dollars to pesos is priced as Singapore dollars to dollars, then dollars to pesos.
It has a practical consequence. Your pair moves when either currency moves against the dollar, so a quiet week at home can still change your rate.
Can I send money between the countries Kite serves?
Yes. Sending is free up to a daily limit per chain, after which there is a flat fee for that chain, and receiving is always free with the gas covered by us. The balance arrives in US dollars, and the person at the other end can spend it on the card, pay a merchant QR with Scan and Pay, or move it to their bank.
What does Kite charge to spend in another currency?
Moving your balance onto the card is 0.53%. Spending in US dollars carries no added fee from us, and everything else is a flat 1.8%. Issuing the card, replacing it and keeping it are all free, and there is no annual fee.
How often do these rates update?
The converter refreshes every 60 seconds from live market data. The chart is built from daily reference rates, which publish once each business day, so it has no intraday view by design.
Which currencies are on this page?
Forty-three. The nine currencies of the markets we serve come first in the picker, then the US dollar, euro and pound, then the rest grouped by region across Asia Pacific, the Middle East, Africa and Latin America. Typing a country name will find its currency.
Two of them are shared: the West African CFA franc covers Côte d'Ivoire and seven neighbours, and the Central African CFA franc covers Cameroon, the Republic of the Congo and four more. Ecuador uses the US dollar, so pick USD for it.
The converter is free for anyone. Kite accounts are open to residents of Singapore, Malaysia, Philippines, Thailand, Vietnam, Japan, South Korea, Taiwan and Australia.
Hold the dollar leg, do not just pass through it.
A Kite balance sits in US dollars, the Stable Card spends them anywhere Visa is accepted, and Scan and Pay handles the merchant QR. Nothing to issue the card and no annual fee.
