Everything you need to know about HAZOO Currency and our tools.
General
Exchange rates on HAZOO are updated every hour from official sources including the European Central Bank. The timestamp showing (e.g., "09:44 UTC") indicates when the rate was last fetched.
Yes, completely free. No registration, no account required, no hidden fees. We are a free reference tool — not a money transfer service.
The mid-market rate (also called interbank rate or spot rate) is the midpoint between the buy and sell prices of two currencies. It is the rate banks use among themselves and the fairest reference rate. Your actual transfer rate from a bank or exchange service will differ due to their markup.
Rates
Banks and money transfer services add a markup (usually 0.5%-3%) to the mid-market rate to make profit. HAZOO shows the pure mid-market rate — the benchmark rate. You can use it to compare how much markup your provider is adding.
If all our live data sources are temporarily unavailable, we fall back to our last cached rates. You will see "offline" in the source indicator. This is rare and rates are typically only a few hours old.
IBAN
An IBAN (International Bank Account Number) is a standardized international numbering system for individual bank accounts used in international transactions. It includes a 2-letter country code, 2 check digits, and the domestic bank account number.
Use our free IBAN Calculator. Enter the IBAN number and we will instantly verify the country code, format and MOD-97 checksum. We support IBAN formats for 80+ countries.
Mortgage
The mortgage rates shown are typical market reference rates based on publicly available information. Actual rates offered to you will depend on your credit score, loan-to-value ratio, lender, and current market conditions. Always consult your lender for a personalized quote.
Invoice
Yes. Fill in your invoice details and click "Print / Save PDF". Your browser print dialog will appear — select "Save as PDF" as the destination to download a PDF version.
Privacy
No. We do not store any personal data, currency search queries, or conversion history. Session data (like your last selected currency pair) may be stored in your browser locally but is never sent to our servers.
We use minimal technical cookies only — nothing for advertising or tracking. We do not use Google Analytics or any third-party tracking.