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Check live exchange rates from China's top 10 banks, compare foreign exchange rates instantly, and convert currencies.
Bank exchange rate differences during cross-border payments directly impact your funds' value. This tool aggregates live foreign exchange rate data from China's top 10 banks, including Bank of China (BOC) and Industrial and Commercial Bank of China (ICBC). It helps users quickly compare the differences between the spot exchange buying rate, cash buying rate, and selling rate. Foreign exchange rates are the currency exchange prices published by banks. Our tool connects to official data sources via API to output real-time exchange rate tables with timestamps and conversion results.
Q: How often is the exchange rate data updated?
A: Updates occur at the minute level, though the refresh frequency varies across different bank data sources.
Q: What is the difference between the spot exchange buying rate and the cash buying rate?
A: The spot exchange rate applies to account transfers, while the cash rate applies to physical cash transactions. Due to transportation and storage costs, the cash rate is usually lower than the spot exchange rate.
The data provided by this tool is for reference only; actual transactions are subject to bank counter rates. For large exchanges, please compare rates across multiple banks. The price difference between spot exchange and cash scenarios can reach 1%-3%. For sensitive operations, please double-check through official bank channels.
When exchanging foreign currency, it is recommended to prioritize comparing the spot exchange buying rate (applicable to account funds). Large foreign exchange amounts can be split across multiple banks for transactions. Typical scenario example: When checking the USD to CNY exchange rate, if the Bank of China's spot exchange buying rate is 7.198 vs. ICBC's 7.201, the difference for a $1,000 exchange amounts to 30 CNY.
