Cross-rate calculator
A cross-rate combines two pairs to produce a third — for example, USD/PLN via EUR using NBP's USD/EUR and EUR/PLN reference rates. Useful when one bank doesn't quote a pair directly but quotes both sides via the national currency.
Frequently asked questions
What is a cross-rate?
A rate computed from two other rates that share a common currency. Banks usually quote pairs via the national currency, so X/Y is computed via X/national * national/Y.
Which bank should I cross via?
Use the bank whose rate is the legal reference for your transaction. Polish VAT — NBP. Czech accounting — CNB. Otherwise pick the bank closest to the currency you settle in.
How does this differ from the market rate?
Bank cross-rates are computed from the bank's own reference rates, not from FX market quotes. Spread is zero by construction — the result is a pure mathematical combination of two reference rates.