Compare today’s best exchange rate for US dollar. We compare live prices for money transfer providers in United States — so you can get the best value for your money.

1 USD = 1.00000 USDMid-market exchange rate

less than a minute ago

You send exactly

USD

Provider	Should arrive	Exchange rate(1 USD → USD)	Transfer fee	Recipient getsSending 1,000 USD
	in 9 hours	1.00000Mid-market rate^[?]	5.41 USDTransparent fee^[?]	994.59 USD

The above information applies when you pay in via bank transfer.

How to get the best US dollar exchange rate

Wise is committed to giving you more for your money.

We collect fees and rates from the most popular money transfer providers — so you don’t have to. We calculate the full price you’ll pay when sending USD to USD with each provider — including the hidden markup in the exchange rate.

We want to bring you the best US dollar rate possible, so we’ve compared the prices for sending money from one bank account to another. Sending cash or sending a money transfer from a bank branch usually costs more in extra fees.

The Wise app makes it easy to send money across the world, at the real, mid-market exchange rate.

Why does getting a good US dollar exchange rate matter?

It’s simple. The lower the cost of converting your money to USD, the more money for you. That’s why it’s important to see the full cost of an international transfer before you send it.

When sending money abroad, banks or other providers will likely charge you a conversion fee. But that’s not all. Hidden markups in the exchange rate can end up costing even more than the conversion fee itself. This means that when sending international transfers, many banks and providers charge you twice. All without telling you.

And if you decide to convert your money in cash, you could be charged:

- a conversion fee

- a hidden markup in the exchange rate

- and extra delivery charges, if you’re ordering your money in advance

You should always look for the best possible exchange rate, regardless of the conversion method you’re using.

With Wise, you can manage your money across more than 40 currencies, without any hidden fees.

The exchange rate scandal

1. Banks trade at the real rate. When exchanging US dollar between themselves, banks and transfer services use the mid-market rate (also known as the interbank rate). It’s the fairest possible rate. The real exchange rate.

2. They add a hidden markup for customers. This is why you’ll see different exchange rates across providers. You’re paying the difference between the mid-market rate and the rate quoted by your transfer service.

3. You lose money. You’re charged the hidden markup when you make a transfer — often without even realising. Even when services claim to have zero fees, you’re still being charged.

How to avoid losing money on the US dollar exchange rate?

Banks and transfer services have a dirty little secret. They create their own exchange rates to make their customers pay a hidden markup. But we here at Wise have a solution.

Wise always gives you the real exchange rate, just like the one you’ll see on Google. So when you make an international money transfer, you’ll know exactly what you’re getting. No nasty surprises — just the best US dollar rate, with a fair, transparent fee upfront.

Preparing US dollar for your travels?

When travelling abroad for business or pleasure, you might need US dollar to spend in restaurants, shops and bars. It can be tempting to buy US dollar in cash from high street banks, a local bureau de change, or by home delivery, but these methods can cost you more. Instead, save money on the exchange rate with a Wise multi-currency debit card.

With the Wise debit card, you can send and spend money at the real exchange rate, and convert it instantly. Withdraw money from ATMs abroad — with no fees on your first £200 every 30 days — or pay in shops and restaurants around the world. It’s taken everywhere that takes Mastercard.

With the Wise app and debit card, it's easy to manage your money while travelling.

Waiting for the best rate to transfer US dollar

Knowing when to transfer USD can be tricky. Exchange rates are often volatile, as they react to economic and political events. And rates move so quickly — when you find the right time, how do you lock it in?

With Wise, you'll get a guaranteed rate for 24 hours. Start your transfer and lock in your rate. As long as we get your money within a day, you'll never lose out on a great price.

And if the rate isn’t right, we can let you know when it gets better. Sign up for rate alerts, and you’ll get live updates straight to your inbox.

Send money with the real exchange rate

Get started now

Best US dollar exchange rate