: This is what you pay. It is the higher number. If you want to buy USD with your local currency, look here.
: This is what you receive. It is the lower number. If you are bringing USD back to exchange it for your home currency, look here. Live Major Market Rates (April 28, 2026)
The mid-market rate is the midpoint between the buy and sell prices used by banks for large-scale transfers. Individual travelers typically receive a rate slightly worse than these due to added margins. Currency Pair Price (Mid-Market) Day Change GBP / USD USD / JPY AUD / USD Data sourced from Yahoo Finance and Trading Economics . Tips for Getting Better Rates Foreign Currency Cash Questions - Wells Fargo
When looking at an exchange board, providers often use the perspective of "We" (the institution):