CNY / USD / EUR Currency Converter
What this tool does
Chinese suppliers usually quote in USD, but factory invoices, domestic receipts, and some payment channels are settled in CNY — and if you're based in Europe, your home currency is EUR. Flipping between the three in your head is a reliable way to misjudge a quote by a few percent, which is real money on a large order. This converter handles CNY, USD, and EUR in any direction, with reference rates you can adjust yourself. The interactive widget appears above this text.
Inputs
- Amount — the figure you want to convert, in the currency you select.
- From currency — CNY, USD, or EUR.
- To currency — CNY, USD, or EUR.
- Reference rates (editable) — the widget ships with two approximate defaults: USD to CNY: 7.2 and EUR to USD: 1.08. Each is clearly labeled approximate, and you can type in your own numbers — for example, the rate your bank actually gave you on your last transfer, or today's mid-market rate from your preferred source. The converter derives the third pair (EUR/CNY) from the two you set.
Keeping the rates editable is deliberate: exchange rates move daily, and the rate that matters is rarely the headline mid-market number. Banks and payment providers add their own margin, so being able to plug in your effective rate turns this from a toy into a genuinely useful check on what a payment will really cost you.
How the estimate works
Conversion is simple arithmetic: the amount is converted through the reference rates you have set, in whichever direction you choose. If you change either reference rate, every conversion updates immediately. Because you control the rates, the tool is only as accurate as the numbers you put in — which is exactly the point. Use it to answer practical questions: "What does this USD quote really cost me in euros at my bank's rate?" or "Is the supplier's CNY invoice consistent with their USD quote?"
Disclaimer
Reference rates are approximate and user-editable — they are starting points, not live market data. Always check your bank or payment provider for the actual rate before paying, and remember that the rate you are quoted for a transfer includes the provider's margin over the mid-market rate. For large payments, even a small rate difference is worth negotiating or shopping around for.