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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GO PREMIUM

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Latest Crypto News

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World Liberty Seeks Bank Charter as USD1 Stablecoin Surges to $3.4B

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

Thursday, Jan 8, 2026

2 mins read

World Liberty Financial is making a big move - they've officially applied for a US national banking charter, marking a turning point...

5 mins

Ripple: Regulatory Calm Could Unlock SWIFT-XRP Integration

By Olumide Adesina, Financial Market Writer

Thursday, Jan 8, 2026

1 mins read

Crypto Sensei" pieced together several developments that, when considered collectively, depict a far more permissive environment for XRP,

4 h

Ethereum and Solana ETFs Hit $220M Record Volume in Early 2026

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

Thursday, Jan 8, 2026

2 mins read

Ethereum Exchange Traded Funds (ETFs) saw some crazy trading action in early January 2026, which is a pretty big deal for the crypto market.

4 h

Ethereum Faces Short-Term Headwinds at $3,100 Despite Morgan Stanley ETF Filing and Network Upgrades

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

Thursday, Jan 8, 2026

3 mins read

Ethereum Faces Short-Term Headwinds at $3,100 Despite Morgan Stanley ETF Filing and Network Upgrades

Ethereum is trading at $3,100, down 3.3% in the last 24 hours. This is because the second-largest cryptocurrency is getting contradictory

5 h

World Liberty Financial Seeks Banking Charter as Token Consolidates Near $0.16 Support

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

Thursday, Jan 8, 2026

4 mins read

World Liberty Financial Seeks Banking Charter as Token Consolidates Near $0.16 Support

The Trump family backed World Liberty Financial (WLFI), a cryptocurrency platform. They have applied for a national trust banking license

6 h

Solana Holds $137 as Institutional Interest Grows Despite Technical Resistance at $142

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

Thursday, Jan 8, 2026

3 mins read

Solana Holds $137 as Institutional Interest Grows Despite Technical Resistance at $142

Solana (SOL) is trading at $137 and has been very stable over the previous 24 hours. This is because the layer-1 blockchain is at a critical

8 h

Bitcoin Holds Above $91K as Accumulators Absorb 60,000 BTC Amid Competing Market Forces

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

Thursday, Jan 8, 2026

4 mins read

Bitcoin Holds Above $91K as Accumulators Absorb 60,000 BTC Amid Competing Market Forces

Bitcoin is trading at $91,000, down 1% in the last 24 hours. The cryptocurrency is at a crucial point when a lot of people are buying it and

9 h

Daily Crypto Signals: Bitcoin Accumulation Surges, Solana Stablecoin Market Explodes by $900M

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

Thursday, Jan 8, 2026

3 mins read

Daily Crypto Signals: Bitcoin Accumulation Surges, Solana Stablecoin Market Explodes by $900M

Bitcoin accumulator addresses absorbed 60,000 BTC in six days as the cryptocurrency rallied toward $91,000, while miners simultaneously move

10 h

Morgan Stanley Launches Ethereum ETF Following Bitcoin and Solana Filings

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

Wednesday, Jan 7, 2026

2 mins read

Morgan Stanley's massive investment portfolio, worth nearly $9 trillion, has filed with the Securities and Exchange Commission to launch...

21 h

Bitcoin Price Prediction as It Does Something It Has Not Done in Months

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

Wednesday, Jan 7, 2026

2 mins read

Bitcoin has managed to overcome a tough resistance level.

Bitcoin is staying above a key resistance level and accomplishing now what it has not been able to do for months.

21 h

Brazil’s Crypto Market Surges 43% Amid High Rates and Stable Economy

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

Wednesday, Jan 7, 2026

2 mins read

Brazil's cryptocurrency adoption stands in stark contrast to conventional expectations. Despite a pretty restrictive monetary policy...

23 h

Ripple Raises $500M, Rules Out IPO as Product Expansion Takes Priority

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

Wednesday, Jan 7, 2026

2 mins read

Ripple's top brass has been dismissing the chatter about a possible Initial Public Offering (IPO) - despite wrapping...

23 h

Asia Morning Brief: Bitcoin Holds Above $90K as Fresh Capital Returns

By Sophia Cruz, Financial Writer - Asian & European Desks

Wednesday, Jan 7, 2026

2 mins read

Either crypto catches up and corrects higher to match those assets, or it rolls over respecting the four-year cycle.

1 d

Ethereum Tests Critical $3,300 Resistance, Double Bottom Pattern Targets 20% Rally to $3,900

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

Wednesday, Jan 7, 2026

3 mins read

Ethereum Tests Critical $3,300 Resistance, Double Bottom Pattern Targets 20% Rally to $3,900

Ethereum (ETH) is trading above $3,200, up 1.7% in the last 24 hours. This is because the second-largest cryptocurrency is getting close to

1 d

Bitcoin Holds Above $92,000 Amid Mixed Signals: Technical Analysis Points to Critical $100K Test

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

Wednesday, Jan 7, 2026

3 mins read

Bitcoin Holds Above $92,000 Amid Mixed Signals: Technical Analysis Points to Critical $100K Test

At the time of writing, Bitcoin (BTC) is trading at $92,000, down 1.5% in the last 24 hours. The cryptocurrency is having a hard time with a

1 d

Daily Crypto Signals: Bitcoin Targets $100K Resistance, Ethereum Reclaims $3.3K

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

Wednesday, Jan 7, 2026

3 mins read

Daily Crypto Signals: Bitcoin Targets $100K Resistance, Ethereum Reclaims $3.3K

The crypto market added over $300 billion in value during the first week of January 2026, with Bitcoin reaching its highest price since

1 d

U.S. Crypto Stocks Surge 31% as Bitcoin Nears $94,600 in Broad Market Rally

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

Tuesday, Jan 6, 2026

2 mins read

Major US-listed crypto stocks surged as digital assets hit multi-week highs, lifting sentiment across exchanges, miners...

2 d

Coinbase Shares Jump 8% as Goldman Raises Price Target to $303 on Strong Growth Outlook

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

Tuesday, Jan 6, 2026

3 mins read

Coinbase shares surged after Goldman Sachs gave them a boost, upgrading the stock and sending a strong signal that the investment bank...

2 d

Ethereum Exit Queue Collapses 99.9% as 1.3M ETH Flows Back Into Staking

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

Tuesday, Jan 6, 2026

3 mins read

Ethereum's staking dynamics have had a sudden about-face with validator exits grinding to a halt - just when a whole bunch of new capital...

2 d

TD Cowen Flags 5-Year Delay Risk for U.S. Crypto Market Structure Bill

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

Tuesday, Jan 6, 2026

2 mins read

TD Cowen has some bad news for the US crypto market: Washington's politics could delay the market structure bill for a long time...

2 d

MORE NEWS

Cryptocurrencies

World Liberty Seeks Bank Charter as USD1 Stablecoin Surges to $3.4B

Ripple: Regulatory Calm Could Unlock SWIFT-XRP Integration

Ethereum and Solana ETFs Hit $220M Record Volume in Early 2026

Ethereum Faces Short-Term Headwinds at $3,100 Despite Morgan Stanley ETF Filing and Network Upgrades

World Liberty Financial Seeks Banking Charter as Token Consolidates Near $0.16 Support

Solana Holds $137 as Institutional Interest Grows Despite Technical Resistance at $142

Bitcoin Holds Above $91K as Accumulators Absorb 60,000 BTC Amid Competing Market Forces

Daily Crypto Signals: Bitcoin Accumulation Surges, Solana Stablecoin Market Explodes by $900M

Morgan Stanley Launches Ethereum ETF Following Bitcoin and Solana Filings

Bitcoin Price Prediction as It Does Something It Has Not Done in Months

Brazil’s Crypto Market Surges 43% Amid High Rates and Stable Economy

Ripple Raises $500M, Rules Out IPO as Product Expansion Takes Priority

Asia Morning Brief: Bitcoin Holds Above $90K as Fresh Capital Returns

Ethereum Tests Critical $3,300 Resistance, Double Bottom Pattern Targets 20% Rally to $3,900

Bitcoin Holds Above $92,000 Amid Mixed Signals: Technical Analysis Points to Critical $100K Test

Daily Crypto Signals: Bitcoin Targets $100K Resistance, Ethereum Reclaims $3.3K

U.S. Crypto Stocks Surge 31% as Bitcoin Nears $94,600 in Broad Market Rally

Coinbase Shares Jump 8% as Goldman Raises Price Target to $303 on Strong Growth Outlook

Ethereum Exit Queue Collapses 99.9% as 1.3M ETH Flows Back Into Staking

TD Cowen Flags 5-Year Delay Risk for U.S. Crypto Market Structure Bill

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