How FX conversion works

finura converts every balance into your primary currency so your net worth is a single number. Here is exactly how that conversion is made — and where the number comes from.

Which rate we use

We convert at the mid-market rate — the midpoint between buy and sell. It is not the rate a card or wire would charge, because those include a spread that isn't part of your actual holdings.

Our provider describes these as indicative midpoint rates, blended from several central banks and commercial sources. That is the right basis for valuing what you hold. It is not a dealing rate, so don't expect a figure here to match a quote you were given for an actual trade.

How current the rates are

Rates are published once a day and we hold each set for up to a day, so a converted figure can be a day or two old. That matters more for a volatile pair than a stable one, and it is why we say when the rates were taken rather than leaving you to assume.

Wherever conversion has actually happened, the accounts overview shows "Converted at rates from" and the time. Accounts already in your primary currency aren't converted at all, so there's nothing to date — you'll only see this line when at least one balance was converted.

When we convert

All balances in a view are converted at a consistent reference time, so the total is internally coherent. We don't mix this morning's GBP with tonight's EUR — that would produce a total that never actually existed.

How we round

Rounding happens once, at the end, after summing — using banker's rounding. Rounding each account first and then adding can drift by a cent or two across many accounts; doing it last keeps the total exact.