Ben has just returned from Europe with leftover euros and wants to convert them back to AUD. What rate should he use?

A business needs to pay an overseas supplier in USD. They need to exchange their AUD to make the payment. What rate should they use?

A tourist from Japan is visiting Australia and wants to exchange Japanese yen for AUD. What rate should they use?

Emma has been working in the UK and has saved some British pounds. She wants to exchange them for AUD. What rate should she use?

A travel agency needs to convert AUD into EUR to book hotel accommodations for their clients. What rate should they use?

Liam has some leftover USD from his trip and wants to convert them back to AUD. What rate should he use?

A student going on an exchange program to Canada wants to buy Canadian dollars (CAD) using AUD. What rate should they use?

A foreign investor receives AUD from selling property in Australia and wants to convert it to their home currency. What rate should they use?

An Australian company receives a payment in EUR from a European client and wants to convert it into AUD. What rate should they use?