Help center (FAQ)


Register (sign up) for free and then you can easily Sign in by one of your social accounts: Google, Facebook or Twitter then go to build your profile.


Write the amount you have and what currency you want. Offer your own rate based on midrate. A midrate is the average rate of selling & buying rates in the market.


Our visitors will find you by sorting their required currencies and if interested in your midrate they will contact you by email and/or phone as per your preference.

Yes, you need to register (sign up) if you want make an announcement, send an e-mail or write a review for your midpartner (other party).

No, your offer will be shown only on

Yes, whenever a user is offline, a warning e-mail will be sent to him/her about all the new chat messages they have received.

Midrate is short for Middle Rate. The middle rate, also called the mid-market rate, is the exchange currency rate between a bid rate and ask rate. The term middle rate is used to describe the average rate agreed upon when conducting a foreign exchange deal. A deal at the middle rate needs two parties wishing to transact in opposite directions (one buyer and one seller) at the same time. Both parties benefit by not crossing the entire spread to make their deal. The middle rate is calculated using the median average of the bid (buy) and ask (sell) rates. Middle rate = (bid rate + ask rate) ÷ 2 For example: If the price of EUR/USD is trading with a bid price of $1.1920 and an offer price of $1.1930 and two parties, a buyer and seller, wish to deal with each other they could do so at an agreed middle rate, which would be $1.1925.

No. You can place your public offer, search for chat partners, contact them and exchange your money without paying a cent to xmidrate. In the future, a fee may be taken for some services in order to make your life easier and the site more fun to use, but the basic service will always remain free.


NO MIDDLEMAN: You connect directly to your partner and exchange your currencies peer-to-peer, with no need for someone in between. So, this deal is in both partner's interests.


NO CHARGES, NO FEES: Since there is no middleman, you do not have to pay for their services. Just find your partners at for free.