Reference rate vs. bank quote
Open Exchange Rates and Frankfurter values are informational benchmarks, not amounts you can transact at. Banks and exchange houses apply their own spreads, margins and fees.
Latest reference rates
EUR/AED, EUR/USD and AED/PHP use the same hourly Open Exchange publication. Historical comparisons use Frankfurter daily observations.
ConnectingChecking current and historical rate sources
Current rates as of—
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Update pattern—
Data notice:
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One or more rate sources could not be refreshed.
Showing the latest available fallback data.
Showing the latest available fallback data.
EUR/AED hourly trend for the day
Follow the EUR/AED rate observed during each UAE clock hour. Captures accumulate during the day through the website and the hourly server collector.
Loading hourly observations…
First captured—
Latest—
Day high—
Day low—
Change from first—
Hourly captures—
No captured hourly points yet
Refresh after the next Open Exchange publication or enable the hourly cron collector.
Refresh after the next Open Exchange publication or enable the hourly cron collector.
Captured hourly observations
Newest observation first. Changes compare the captured midpoint rates, not bank quotations.
| UAE time | EUR/AED rate | Change vs previous | Change vs first |
|---|---|---|---|
| Loading hourly observations… | |||
Collection note: Open Exchange Rates provides the latest hourly publication, not a retrospective intraday series on the free plan. This dashboard builds the day’s trend by retaining one observation for each UAE clock hour. The website captures while it is open, but the hourly cron request is still required for uninterrupted collection when nobody is viewing the site. Earlier hours from before collection started cannot be reconstructed from the free Open Exchange plan.
Your transaction guide
Choose a planning scenario. Current EUR/AED, EUR/USD and AED/PHP use Open Exchange Rates while historical positioning uses Frankfurter daily observations.
What are you planning?
The wording and comparison will adapt to your transaction.
Market positioning
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Historical trend explorer
Explore Frankfurter daily reference observations. The current Open Exchange rate is shown as a separate point for EUR/AED, EUR/USD and AED/PHP when available.
Your rate briefing
A compact snapshot combining current hourly EUR/AED, EUR/USD and AED/PHP rates with daily historical movement and range position.
My rate watch
Save personal target levels and review them whenever you return. Targets are checked only when this website is open or refreshed.
Create a personal watch
Use a target as a reminder for your own planning—not as a trading signal.
Optional alerts work while the app is open and when you revisit it.
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Stored on this device. Watches are kept in your browser and are not submitted to the website owner.
Saved watches
EUR/AED, EUR/USD and AED/PHP watches use the latest Open Exchange rates when available, with Frankfurter daily fallback.
Keep the guide one tap away. Install it as an app for a cleaner standalone experience and offline access to the app shell.
Reference-rate and bank-margin calculator
EUR/AED, EUR/USD, AED/PHP and related direct conversions use Open Exchange Rates when available. Other currencies use Frankfurter data or a clearly labelled hybrid cross rate.
Scenario check
How the converted amount changes if the reference rate moves.
Estimated reference conversion
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Loading rates…
Saved conversion plans
Save the current calculator setup and restore it on a future visit.
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Saved plans remain in this browser. No bank account, card or transaction details are requested.
Compare two reference dates
See how a planned conversion would have differed between two available Frankfurter reference observations.
Quick comparisons
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If a selected calendar date has no observation, the tool uses the latest available reference date on or before it and shows the date actually used.
Historical comparison
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Actual euro purchase history
Upload one or more Excel workbooks and choose whether to compare the uploaded purchase histories by themselves or against matched Frankfurter observations. Purchase dates are preserved as UAE calendar dates.
Drop Excel files here or browse
Select several .xlsx or .xls files at once. Every recognized worksheet is combined into one comparison.
DATETRANSACTIONEUROACTUAL RATE
Imported files
The bank or source is taken from the worksheet name, or from the filename when needed.
No purchase files uploaded yet.
Ready to read the sample format: Date, Transaction, Euro amount, and Actual Rate.
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UAE date basis: Excel purchase dates are treated as Asia/Dubai calendar dates (UTC+4) exactly as recorded in the workbook. The visitor's device time zone does not change them.
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Excel files are processed inside your browser. They are not sent to Euro Rate Guide or stored on the website server.
Purchases—Upload Excel files to begin.
Total euros—Combined purchase volume.
Weighted actual rate—AED paid per EUR.
Weighted Frankfurter—Unadjusted matched rate.
Adjusted reference—Default: 200 points added.
AED difference—Actual cost less adjusted reference cost.
Comparison basis
Compare the uploaded bank histories with matched Frankfurter EUR/AED observations and the selected point adjustment.
Reference comparisonFrankfurter comparison adjustment
Add points to every matched EUR/AED reference observation before comparing it with the actual purchase rate. One point equals 0.0001, so 200 points adds 0.0200.
Adjustment: 200 points = +0.0200 AED per EUR. Example: 4.1800 + 0.0200 = 4.2000.
Value shown: AED per EUR
Click a point, bar, or source row to view the underlying purchases.
Interactive drill-down
Purchase details
Select a chart item or source row to inspect the transactions behind it.
Purchase comparison table
Upload files to populate the table.
| Purchase date (UAE) | Bank / Source | Transaction | Euro | Actual rate | Reference date | Frankfurter rate | Points | Adjusted reference | Rate difference | Actual AED cost | Adjusted reference cost | AED difference |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No purchase files uploaded. | ||||||||||||
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Euro purchase & usage dashboard
Upload one or more euro transaction ledgers in the supplied 12-column format. The dashboard combines banks and worksheets to analyse purchases, supplier usage, running balances, rates and cash-flow timing using UAE calendar dates.
Upload euro purchase and usage ledgers
Select several .xlsx, .xlsm or .xls workbooks at once. Each recognized worksheet is treated as a bank or source and combined in one dashboard.
DATETRANSACTIONDEAL DATEVALUE DATEEUR DEBITEUR CREDITEUR BALANCEACTUAL RATEAED DEBITAED CREDITAED BALANCEAVERAGE RATE
Imported ledger files
The worksheet name becomes the bank/source label. Multiple workbooks and multiple worksheets are supported.
No transaction-ledger files uploaded yet.
Ready for the attached Euro Transactions template.
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UAE date basis: Date, Deal Date and Value Date are preserved as UAE calendar dates and are not shifted by the visitor's device time zone.
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Ledger workbooks are processed locally inside the browser. They are not uploaded to Euro Rate Guide or stored on the website server.
EUR purchased—Upload ledgers to begin.
EUR used—Supplier and charge usage.
Net EUR movement—Purchases less usage.
Closing EUR balance—Latest combined running balance.
Weighted purchase rate—AED per EUR.
Weighted usage rate—AED book rate per EUR used.
Closing book rate—Closing AED value divided by EUR.
Balance coverage—Based on recent usage.
Value shown: Monthly EUR purchased and used.
Click a chart item or source row for transaction drill-down.
Complete supplier legendFull supplier names, EUR usage, share, transaction count, and source-bank details. Click any entry for transaction drill-down.
0 suppliers
Peak purchase month—No data
Peak usage month—No data
Largest usage entry—No data
Largest purchase method—No data
Interactive drill-down
Euro flow details
Select a chart item or source row.
| Date UAE | Source | Transaction | Flow type | EUR purchased | EUR used | Rate | EUR balance |
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Euro transaction ledger
Upload ledger files to populate the table.
| Date UAE | Bank / Source | Transaction | Flow type | Deal date | Value date | EUR purchased | EUR used | EUR balance | Actual rate | AED purchase cost | AED usage value | AED balance | Average rate |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No euro transaction ledgers uploaded. | |||||||||||||
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Euro reference-rate board
Selected rates quoted against one euro. EUR/AED, EUR/USD and the implied EUR/PHP value use Open Exchange Rates when available; remaining currencies use Frankfurter daily data.
Historical data
Search, filter and export the primary reference-rate series.
| Date | EUR/USD | Change | EUR/AED | Change | AED/PHP | Change |
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Understand the guide
Simple definitions so visitors can use the dashboard without becoming part-time currency traders.
30-session average
This smooths recent Frankfurter observations. A lower or higher result only describes historical positioning and does not predict the next rate.
Volatility
Volatility estimates how widely the rate has moved. Higher volatility means a larger timing risk, not a guaranteed direction.
Independent educational publisher
Euro Trend Guide uses Open Exchange Rates for current EUR/AED, EUR/USD and AED/PHP references and Frankfurter for daily history and other currency context. It does not sell currencies, execute transactions or connect visitors to a broker.
Transparency and site information
About the publisher and purpose →Methodology and data sources →Contact and corrections →Are the displayed reference rates transaction quotes?
No. Open Exchange Rates and Frankfurter provide informational reference values. A bank, exchange house, card provider or remittance service will supply its own transaction rate, spread and fees.
Why can the reference date be earlier than today?
Frankfurter provides the latest available reference observation. On weekends and holidays, the newest available date may be the preceding business day.
How are the three current pairs handled?
Current EUR/AED, EUR/USD and AED/PHP come from the secure Open Exchange Rates endpoint. Historical values remain based on Frankfurter daily observations; historical AED/PHP is derived from Frankfurter EUR/PHP and EUR/AED for the same reference date.
Does “below average” mean the rate will improve?
No. It only describes the latest Frankfurter observation relative to recent Frankfurter observations. It is not a forecast or a recommendation to transact.
Will a saved rate watch monitor rates when the website is closed?
No. This version checks saved targets only when the website is open, refreshed or revisited. It does not run a background server-monitoring service.
Where are my watches and saved plans stored?
They are stored locally in your browser on the device you used. Clearing browser site data will remove them.
Educational and informational use only. Open Exchange Rates and Frankfurter reference values, historical positioning and calculations are not executable quotations, trading signals or financial advice. Obtain a current quote, spread and fee schedule directly from your chosen regulated provider before transacting.