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Currency Exchange Rates

This is http://www.berklix.com/~jhs/rates/

Various Berklix pages quote prices & rates of other people's products & services in various currencies. Rather than those page quoting obsolete rates, they all link here.

See Also re. Interest Rates

Some Rates Providers:


Exchange Fee Comparisons

2023-03-02 Spread % = 2 x (mid to trade = bank profit margin)    
1 Euro= Currency Sell
Verkauf
Buy
Ankauf
Mid Spread % Calculations
Hypo Vereins Bank
08:04 CET
GBP 0,851 0,921 0.886 7.90 ( 0,921 - 0,851 ) / 0.886
Hypo Vereins Bank
08:04 CET
CHF 0,968 1,038 1.003 6.98 ( 1,038 - 0,968 ) / 1.003
Hypo Vereins Bank
08:04 CET
USD 1,011 1,117 1.064 9.96 ( 1,117 - 1,011 ) / 1.064
Stadt Spar Kasse Munich
09:05 CET
GBP 0,8370 0,9320 0.8845 10.74 ( 0,9320 - 0,8370 ) / 0.8845
Stadt Spar Kasse Munich
09:05 CET
CHF 0,9480 1,0580 1.003 10.97 ( 1,0580 - 0,9480 ) / 1.003
Stadt Spar Kasse Munich
09:05 CET
USD 0,9980 1,1150 1.0565 11.07 ( 1,1150 - 0,9980 ) / 1.0565
XE.Com
07:30 UTC & GMT = 08:30+01:00 ( CET = Munich time).
GBP 0.888699    
XE.Com
07:30 UTC & GMT = 08:30+01:00 ( CET = Munich time).
CHF 1.00336    
XE.Com
07:30 UTC & GMT = 08:30+01:00 ( CET = Munich time).
USD 1.0635    
1 Euro= Currency Sell
Verkauf
Buy
Ankauf
Mid Spread % Calculations
Comments:
2019-05-29 from ljk@
xe.com mid rate             1 GBP = 1._____ Euro & 1 Euro = 0.88196 
CF Euro to 
pounds                                1 Euro = 0.878.
  difference .878 - .88196 / .88196 = 4.489999 % + Fee of GBP 2.5

2019-05-08:

xe.com mid rate before going to banks:    1 GBP = 1.16167 Euro & 1 Euro = 0.860828 GBP
xe.com mid rate after return from banks:  1 GBP = 1.16130 Euro & 1 Euro = 0.861101 GBP
xe.com mid rate average:                  1 GBP = 1.16148 Euro & 1 Euro = 0.860964 GBP
CF after return from banks:               1 GBP = 1.1558 Euro
  ( 1.16130 - 1.1558 / 1.16148 = 0.0048903124 ie CF charge 5.5 per thousand or .55%

CF after return from banks:               1 GBP = 1.1558 Euro & 2220 GBP = 2,565.88 Euro 
Hypo Veriens Bank Isartor (as customer)   1 Euro = 0.894 GBP        2500 GBP = 2,796.42 Euro 
StadtSpark, Im Tal after 3EU non customer fee,                         2500 GBP = 2,812.10 Euro 
  (Hypo Veriens is usually but not always worse than StadtSparkasse)
StadtSpark, Im Tal after 3EU non customer fee, (max 2.5K Euro non customer) 2220 GBP = 2,492.19 Euro 
  (So using StadtSparKasse instead of CF cost 2,565.88 - 2,492.19 = 73.69 Euro
73.69 / 2,565.88 = 2.87 % beyond CF, so 3.42% beyond mid market neutral rate.

Swapping direct between friends, avoiding banks, saves 3.4% each side !
The mega saving is avoiding physical banks.
The extra saved by avoiding net services like CF is negligible in comparison.

For a Brit in Munich, better to take surplus sterling notes back to Britain, pay in over counter,
then transfer to Euro using CF.


Munich

  • xe.com: Mid rate.
    inc. Old History Rates
  • German Banks all quote rates of what of a foreign currency is worth one Euro. Its easier to go expecting numbers like 0.85589, not 1.16849. All may need passport, not always
  • Stadt Spar Kasse Munich, between Marien- Platz & Isartor, Mon, Tues, Wed, Fri 08:45-16:00; Thurs 08:45-18:00 great impressive interior worth seeing. Max per day is 2,500 Euro. They deduct a flat fee of 5 Euro regardless of amount, if no account.
  • Hypo Vereins Bank (UniCredit) 1 block outside Isartor Rumford Str, Needs a customer account. No fee. Above low tourist levels go to central office
  • Deutsche Bank, Cellar, Marienplatz
    Max 2K or 2.5K Euro/ day. 5.50 EU charge for non customers. They always quoted me to just 2 digit precision - what a con, forcing one to Not know if a decent rate without arguing for more info ! don't go any more. Prime tourist trap on West of Marienplatz, since closed/moved
  • Targo Bank (Wiki), 22 Tal, 09:00-13:00 + 14:00 - 18:00 , No PM on Wednesday.
    2.5 K Max
  • Santander: Need to have an account with Santander Germany. An account with Santander UK is no use!
  • Reisebank, Main Rail Station = Haupt bahn hof
    Really Bad rate ! - Probably open extended hours for travellers.

Some banks etc in UK inc. ` big four' in high street.

NAME BANK WIKI PEDIA .ORG COMMENT
Barclays barclays.co.uk Wiki whois home.barclays > @barclays.com
Co-Op co-operativebank.co.uk Wiki
firstdirect firstdirect.com Wiki Division of HSBC
Halifax halifax.co.uk Wiki Halifax long ago bought Leeds Provincial Building Society LPBS
Halifax merged to HBOS; HBOS to Bank of Scotland; HBOS & Bank of Scotland to LLoyds.
HSBC hsbc.co.uk Wiki HSBC (Honk Kong & Shanghai Banking Corp) bought Midland Bank
Lloyds lloydsbank.com Wiki bought Halifax etc
Metro metrobankonline.co.uk Wiki A new bank competing against ` big four'.
Nat West natwest.com Wiki
Santander santander.co.uk Wiki Alliance & Leicester bought Post Office Savings Bank; Santander bought Alliance & Leicester

www . moneysavingexpert . com / banking / compare - best - bank - accounts


I & others in UK & Germany have seen enough rip offs, bank self satisfaction, avarice, computer incompetence, & top bankers bloated salaries, For eloquence in Anglo Saxon, join us over a beer ;-).

If a banker asked about computer security exudes posh suited bland confidence & platitudes : They are ignorant & hope you are too. If they look worried, admit ignorance & direct you to more info, respect the probable honesty & investigate.

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