What is the current USD to GBP exchange rate?

The USD/GBP rate fluctuates based on market conditions. As of 2026, $1 typically equals around £0.78-0.80. Use our comparison tool to see live rates from multiple providers.

Where can I exchange dollars to pounds in the UK?

Use your US bank's debit card at UK ATMs, exchange at UK bureaux, or use a multi-currency card. Avoid exchanging at Heathrow or other UK airports where rates are poor.

Can I use US dollars in the UK?

No, the UK uses British Pounds Sterling (GBP). US dollars are not accepted as payment. You'll need to exchange or use a card that converts automatically.

Should I exchange dollars before visiting the UK?

Most Americans get good value using their credit card (check for foreign transaction fees) or withdrawing from UK ATMs. If you want cash, compare US bank rates vs ordering from Wise.

USD to GBP Exchange Rates 2026 - Best Dollar to Pound Rates

Rates are indicative and change constantly. Always check live rates before exchanging.

Best Ways for Americans to Get British Pounds

1. Use a No-Foreign-Fee Credit Card

Cards like Chase Sapphire, Capital One Venture, and many others have no foreign transaction fees. The UK accepts cards almost everywhere, making this the easiest option for most purchases.

2. Charles Schwab Debit Card

The Schwab High Yield Investor Checking account comes with a debit card that reimburses all ATM fees worldwide and has no foreign transaction fees. Excellent for withdrawing pounds from UK ATMs.

3. Wise Multi-Currency Card

The Wise card lets you hold and spend pounds directly. Convert at the mid-market rate with a small transparent fee. Great for frequent international travellers.

4. UK ATMs

Withdraw pounds from UK ATMs using your US bank card. Most UK bank ATMs don't charge fees, but your US bank might. Check before you travel.

5. Exchange Before You Go

If you want cash, order from your bank or a service like Wise. Avoid airport exchanges in both the US and UK—rates are typically the worst.

USD to GBP: Tips for Americans Visiting the UK

Always pay in pounds: If asked "pay in dollars or pounds?", choose pounds. Dynamic Currency Conversion (DCC) adds 3-5% in hidden fees.
Contactless is everywhere: The UK pioneered contactless payments. Tap-to-pay up to £100 is accepted almost everywhere.
Chip + PIN vs Chip + Signature: UK cards use PIN, US cards often use signature. Your card will work, but you may need to sign or ask staff for assistance at unmanned kiosks.
Tipping differs from the US: Service is often included. 10-15% for good restaurant service is appreciated but not mandatory.
VAT is included: Unlike the US, UK prices include 20% VAT. What you see is what you pay.
Scottish and NI notes: Scotland and Northern Ireland issue their own pound notes. They're legal in England but some shops may be unfamiliar with them.

US Dollar to British Pound Exchange Rates