How are exchange rates determined?

The currency exchange rate is considered in relation to another currency, or a basket of currencies. Exchange rates can be floating rates, determined by free market factors, such as the economic health of a country, or fixed rates set by central banks. Spreads are not included in the FxLeaders currency converter, but usually, you get tighter conversion spreads through online brokers if you want to buy one currency with another one, and higher conversion spreads on over-the-counter dealers, such as banks and foreign exchange offices.

How to calculate an exchange rate?

Basically, by multiplying the conversion rate by the amount you want to exchange. For EUR 500, you would need 1.13 x 500 = $650. But, the FXLeaders exchange rate calculator makes life very easy. It offers the exchange rate of a single unit of currency for another, as well as the total amount of foreign currency in exchange for the amount of the currency you want to exchange. Physical currency exchange comes with exchange rates and/or fees, but the closer to the FXLeaders exchange rate/amount, the better the deal from your FX exchange agent.

How often do foreign exchange rates change?

Foreign exchange rates change continuously 24/5, and they often also fluctuate over the weekend, opening with market gaps. Usually the exchange rates move slowly, resulting in major differences for a normal traveler, but at times there are some huge fluctuations in live exchange rates, due to economic or political news. Our currency converter updates live exchange rates every 5 seconds, exclusive to FXLeaders.

Can you predict exchange rates?

Exchange rate predictions are hard, given the fact that there are many professional aspects you need to understand and evaluate beforehand. Exchange rate forecasts should include both sides of the coin for the two currencies in the currency pair. They should also include the fundamental analysis, with economic news, central bank forecasts, politics and the broader market sentiment, as well as the technical analysis.

What are currency pairs?

A forex pair is a pair of two currencies, quoted against each other. They are usually presented in the abbreviated form of EUR/USD 1.13, for instance, for Euros Vs US Dollars. Usually, the second currency is presented as the exchange value of the first currency, meaning that to buy one US Dollar you will need EUR 1.13. Many people utilize the fluctuation/volatility to trade forex pairs in the forex market through retail brokers, aiming to make a profit from the fluctuating exchange rates.

What determines the value of a currency?

In the case of a fixed/pegged currency, the government of a country may, as is the case with China, determine the currency value through the central bank, while in other cases, like in Switzerland, it is the central bank (SNB) itself that pegs the currency to another currency or a basket of currencies, in relation to the trade volume with that country. The currency price for floating currencies is determined by market forces, such as supply and demand. These forces are heavily affected by the economic forecasts of a country, central bank activities, rhetoric and forecasts, politics, market sentiment etc., while technical factors determine whether that currency is overvalued or undervalued.

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Cryptocurrencies

Cryptocurrencies

Due to the tremendous global interest in crypto's and how to trade the different cryptocurrencies (including bitcoin, Ethereum, Litecoin, Dash, Ripple, etc.), FX Leaders' analysts bring you all the information you need to trade and invest in cryptocurrencies profitably. Find out more about the unique and powerful asset class that has emerged from practically nowhere to become one of the hottest investment topics of the 21st century - cryptocurrencies! More

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Latest Crypto News

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Bitcoin Rally to $90K Draws New BTC Price Predictions

By Timothy St. John, Financial Writer - European & US Desks

Monday, Dec 22, 2025

2 mins read

Bitcoin could move either way at this critical $90K juncture.

Bitcoin is at a tough resistance level and could be pushed back down or overcome this hurdle this week.

3 h

ETH Open Interest Sinks 50% to $50B as Market Awaits Big Move

By Maham Arslan, Crypto News Writer | Blockchain & Web3 Reporter

Monday, Dec 22, 2025

2 mins read

Ethereum trading has finally begun to stabilise after an abrupt drop in market leverage. Total ETH open interest across the major...

5 h

$6.8B Fed Liquidity Boost Sparks Fresh Crypto Market Rally Hopes

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Monday, Dec 22, 2025

2 mins read

The Federal Reserve is about to inject a massive $6.8 billion into the financial markets on December 22, 2025 - a move that'll come...

6 h

Bitcoin Near $88.8K as $576M Wipeout Rocks Crypto and Gold Hits $4,380

By Maham Arslan, Crypto News Writer | Blockchain & Web3 Reporter

Monday, Dec 22, 2025

2 mins read

Bitcoin hit $88,800 on Monday as global markets are taking another chance. Trading picked up after Asian equities ticked...

6 h

Ripple’s Big Win? Former BlackRock Exec Highlights XRP ETF Crossing $1Billion

By Olumide Adesina, Financial Market Writer

Monday, Dec 22, 2025

1 mins read

Former BlackRock vice president John Gillen discussed systemic stress, investor psychology, and XRP ETF flows.

13 h

Bitcoin Consolidates Near $89,000, Analysts Project Divergent Paths Between $70,000 Crash and $150,000 Rally

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Monday, Dec 22, 2025

4 mins read

Bitcoin Consolidates Near $89,000, Analysts Project Divergent Paths Between $70,000 Crash and $150,000 Rally

Bitcoin (BTC) is still above $89,000 and has gained 1% in the last 24 hours. Traders are getting ready for a big move that could set the

17 h

Daily Crypto Signals: Bitcoin Faces Volatility Near $88K, Uniswap Fee Switch Proposal Gains Support

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Monday, Dec 22, 2025

3 mins read

Daily Crypto Signals: Bitcoin Faces Volatility Near $88K, Uniswap Fee Switch Proposal Gains Support

The cryptocurrency market remains in a state of uncertainty as Bitcoin trades around $88,000 with analysts divided on whether a relief rally

17 h

Rising Interest in Satoshi Nakamoto Could Trigger Bitcoin Price Plunge

By Olumide Adesina, Financial Market Writer

Sunday, Dec 21, 2025

1 mins read

Bitcoin swung down fast after a quick climb to $90K.

Analysts caution that the surge in interest in Satoshi Nakamoto, the enigmatic creator of Bitcoin, could have negative effects on the price of BTC

Bitcoin

1 d

XRP Price Prediction: Why the $2.00 Line Could Decide XRP’s Next 15% Move

By Maham Arslan, Crypto News Writer | Blockchain & Web3 Reporter

Sunday, Dec 21, 2025

2 mins read

XRP price prediction as $1.93 holds key support. Technical signals point to a potential breakout toward $2.15 if bulls reclaim the $2.00...

1 d

Ripple Reigns: SWIFT’s ISO 20022 Full Switch Crowns XRP King of Cross-Border Payments

By Olumide Adesina, Financial Market Writer

Sunday, Dec 21, 2025

1 mins read

SWIFT anticipates that by the beginning of 2026, 90% of all transactions will transition to ISO 20022.

Ripple
SWIFT

1 d

Bitcoin Crash Alert? Fundstrat Sees 35% Correction Ahead in 2026

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Saturday, Dec 20, 2025

2 mins read

Top asset manager Fundstrat is quietly warning its clients to get ready for a significant cryptocurrency sell-off in early 2026

2 d

Crypto vs Banks: 125 Firms Push Congress on Stablecoin Reward Rules

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Saturday, Dec 20, 2025

2 mins read

Over 125 cryptocurrency companies are banding together in a last-ditch effort to push back against increasing pressure...

2 d

Bitcoin to Hit $65K in 2026, Says Fidelity Investments

By Timothy St. John, Financial Writer - European & US Desks

Friday, Dec 19, 2025

2 mins read

Bitcoin may be in a winter period that lasts through next year.

Bitcoin is still low and could be entering an extended cold period known as a cryptocurrency winter according to one analyst.

3 d

Oracle Pops 6% on TikTok Deal as Bitcoin Climbs Back Above $88K

By Sophia Cruz, Financial Writer - Asian & European Desks

Friday, Dec 19, 2025

2 mins read

Oracle jumped over 6% in premarket Friday, hitting around $190 after TikTok signed binding agreements for a new U.S. joint venture

3 d

Coinbase Files 3 State Lawsuits to Defend $1T Federal Control of Prediction Markets

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Friday, Dec 19, 2025

2 mins read

Coinbase has taken the gloves off in a fight with state regulators over the future of prediction markets - and is now taking on officials...

3 d

Ripple’s XRP Evaporates Under Blazing Market Pressure

By Olumide Adesina, Financial Market Writer

Friday, Dec 19, 2025

1 mins read

XRP has broken below $1.90 and is approaching a critical point on the charts, just below a significant descending resistance line

3 d

Solana Struggles at $121 as Network Activity Declines While Competitors Surge

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Friday, Dec 19, 2025

2 mins read

Solana Struggles at $121 as Network Activity Declines While Competitors Surge

Technical indicators point to continued weakness as Solana (SOL) falls 32% since November amid shrinking on-chain metrics

4 d

XRP Tests Critical $1.85 Support Zone As ETF Assets Surpass $1 Billion Milestone

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Friday, Dec 19, 2025

3 mins read

XRP Tests Critical $1.85 Support Zone As ETF Assets Surpass $1 Billion Milestone

As the cryptocurrency tests a critical support level that analysts say might dictate its near-term future, XRP is currently trading at $1.80

4 d

Bitcoin Struggles to Hold $90K Despite Cooling Inflation as Market Enters Critical Repair Phase

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Friday, Dec 19, 2025

3 mins read

Bitcoin Struggles to Hold $90K Despite Cooling Inflation as Market Enters Critical Repair Phase

Following softer-than-expected inflation figures, Bitcoin briefly surged above $90,000. Now, it is trading around $85,000 as traders

4 d

Daily Crypto Signals: Bitcoin ETFs See Strongest Inflows in Month, Solana Struggles Against Rival Chains

By Arslan Butt, Lead Markets Analyst – Multi-Asset (FX, Commodities, Crypto)

Friday, Dec 19, 2025

4 mins read

Daily Crypto Signals: Bitcoin ETFs See Strongest Inflows in Month, Solana Struggles Against Rival Chains

Bitcoin spot ETFs recorded their largest single-day inflows since mid-November at $457 million as institutional demand strengthened, while

4 d

MORE NEWS

Cryptocurrencies

Bitcoin Rally to $90K Draws New BTC Price Predictions

ETH Open Interest Sinks 50% to $50B as Market Awaits Big Move

$6.8B Fed Liquidity Boost Sparks Fresh Crypto Market Rally Hopes

Bitcoin Near $88.8K as $576M Wipeout Rocks Crypto and Gold Hits $4,380

Ripple’s Big Win? Former BlackRock Exec Highlights XRP ETF Crossing $1Billion

Bitcoin Consolidates Near $89,000, Analysts Project Divergent Paths Between $70,000 Crash and $150,000 Rally

Daily Crypto Signals: Bitcoin Faces Volatility Near $88K, Uniswap Fee Switch Proposal Gains Support

Rising Interest in Satoshi Nakamoto Could Trigger Bitcoin Price Plunge

XRP Price Prediction: Why the $2.00 Line Could Decide XRP’s Next 15% Move

Ripple Reigns: SWIFT’s ISO 20022 Full Switch Crowns XRP King of Cross-Border Payments

Bitcoin Crash Alert? Fundstrat Sees 35% Correction Ahead in 2026

Crypto vs Banks: 125 Firms Push Congress on Stablecoin Reward Rules

Bitcoin to Hit $65K in 2026, Says Fidelity Investments

Oracle Pops 6% on TikTok Deal as Bitcoin Climbs Back Above $88K

Coinbase Files 3 State Lawsuits to Defend $1T Federal Control of Prediction Markets

Ripple’s XRP Evaporates Under Blazing Market Pressure

Solana Struggles at $121 as Network Activity Declines While Competitors Surge

XRP Tests Critical $1.85 Support Zone As ETF Assets Surpass $1 Billion Milestone

Bitcoin Struggles to Hold $90K Despite Cooling Inflation as Market Enters Critical Repair Phase

Daily Crypto Signals: Bitcoin ETFs See Strongest Inflows in Month, Solana Struggles Against Rival Chains

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