Quote
Message us on WhatsApp with the direction and amount. We reply with the live interbank rate, the 0.5% spread, and your final number. Locked for 30 minutes.
Currency exchange · RigaThe real rate.
The real rate.
Plus 0.5%. Nothing else.
We take the interbank rate from our liquidity provider, add a transparent half-percent spread, and that's the rate you get. No hidden margin. No “service fee.” No commission. Nine currencies, in-office.
Quotes locked for 30 min · Rates visible before you commit
0.5%Spread, all in
9Currencies stocked
30 minQuote validity
RigaIn-office, Latvia
What “real rate” actually means
Every other shop adds a margin twice.
Bureau de change at the airport: takes the interbank rate, then shows you a “buy” column that's already 4% off and a “sell” column that's another 4% off. On €500, that's €40 you never see.
We show you the interbank rate. Then we subtract 0.5% total. That's on the receipt. That's what your account reflects.
How it works
Three steps. Locked rate. Same visit.
Walk in
Riga office, Mon–Fri 10:00–18:00. Bring ID and your euros (or the source currency). For over €10,000 also bring source-of-funds documentation per AML law.
Exchange
We exchange at the locked rate, hand over the cash, print the receipt with both rates visible. If you need a VAT-marked receipt for accounting, ask — issued on the spot.
Today's indicative rates
Nine currencies. Live in-office. EUR base.
Pulled from the interbank mid-rate at 01:31 EET, plus a transparent 0.5% spread. Locked for 30 minutes once you message us.
| Currency | We buy (EUR) | We sell (EUR) |
|---|---|---|
| UUSDUS Dollar | 0.853 | 0.862 |
| GGBPBritish Pound | 1.15 | 1.16 |
| IINRIndian Rupee | 0.00898 | 0.00907 |
| PPKRPakistani Rupee | 0.00306 | 0.00309 |
| BBDTBangladeshi Taka | 0.00696 | 0.00703 |
| NNPRNepalese Rupee | 0.00561 | 0.00567 |
| TTRYTurkish Lira | 0.0186 | 0.0188 |
| AAEDUAE Dirham | 0.232 | 0.235 |
| CCHFSwiss Franc | 1.09 | 1.10 |
Last refresh: 01:31 EET · refreshes every 6 hours · WhatsApp us for the 30-min-locked rate.
- 0.5%Single, transparent spread
- 9Currencies stocked daily
- €10kAML threshold per visit
- RigaWalk-in, Mon–Fri
Common questions
Frequently asked.
How is your rate set?
We take the interbank mid-rate from our liquidity provider, then add a 0.5% spread. That's the rate you get. There's no second margin on top, no `service fee`, no `commission`.
Why is this cheaper than the airport?
Airport bureaux typically charge a 3–8% spread on top of the interbank rate. We charge 0.5%. On a €500 exchange that's €15–€40 saved.
Can I lock a rate before I come in?
Yes. Message us on WhatsApp with the amount and direction. We hold the quote for 30 minutes. If the market moves against us during that window, we still honour it.
What documents do I need?
Just an ID — passport, eID, or Latvian residence card. Transactions over €10,000 require additional source-of-funds documentation per Latvian AML law.
What if I need a currency you don't list?
Ask. We can source most G20 currencies with 24–48 hours notice. We will tell you the achievable rate before you commit.
Do you handle business exchanges?
Yes — for self-employed people and SIA. We can invoice + issue a receipt with VAT details for accounting.
Also from RozoFinance
Sending money home, not changing it?
We also handle bank-to-bank international transfers to India, Pakistan, Bangladesh, Nepal and the EU — same transparent pricing, WhatsApp tracking.
Get a quote
Tell us the amount.
WhatsApp us with direction and amount. We reply with the live rate within 5 minutes during office hours.
0.5% spread · Locked 30 min
Or walk in
Riga office.
Mon–Fri 10:00–18:00 EET. Bring ID and cash. Larger amounts prefer 1-hour advance notice so we can stock.
Walk-in or pre-book
Have a question first? Message Santa.
Mon–Fri 10:00–18:00 EET. Most messages answered within the hour.