Fixer and XE are both REST FX rate APIs. The real differences are free-tier size, update frequency, and where each one starts charging — the table below has the specifics.
Fixer's free tier: 100 API calls/month, hourly updates, base currency restricted to EUR. XE's free tier: No permanent free tier — a free trial only. Check both against your expected monthly call volume before committing — a restricted base currency or a low monthly cap can force an upgrade sooner than the sticker price suggests.
Fixer updates hourly on Free/Basic; every 10 minutes on Professional ($59.99/mo); every 60 seconds on Professional Plus ($99.99/mo) and Enterprise. XE updates daily on Lite; hourly on Intermediate; every 15 minutes on Prime. Live (minutely) rates are a $400–$1,500/year add-on, or bundled only on custom-priced Enterprise. Fixer sources data from financial data partners and ECB reference rates, per Fixer's own documentation. XE sources data from xE's own aggregated market data, per XE's published tier documentation.
Once the free tier runs out, Fixer's cheapest paid plan is basic plan, $14.99/month, for 10,000 calls/month with hourly updates and all base currencies. XE's cheapest paid plan is lite plan, $799/year (annual billing only), for 10,000 requests/month with daily-only rates.
Fixer: 100 API calls/month, hourly updates, base currency restricted to EUR. XE: No permanent free tier — a free trial only.
Fixer updates hourly on Free/Basic; every 10 minutes on Professional ($59.99/mo); every 60 seconds on Professional Plus ($99.99/mo) and Enterprise. XE updates daily on Lite; hourly on Intermediate; every 15 minutes on Prime. Live (minutely) rates are a $400–$1,500/year add-on, or bundled only on custom-priced Enterprise. Compare the specific plan you'd actually pay for, not just the headline tier — both vendors gate faster updates behind higher plans.
Neither currently does. No MCP integration is listed on Fixer's product pages. No MCP integration is listed on XE's Currency Data API documentation.
Fixer's cheapest paid plan is basic plan, $14.99/month, for 10,000 calls/month with hourly updates and all base currencies. XE's cheapest paid plan is lite plan, $799/year (annual billing only), for 10,000 requests/month with daily-only rates. Compare against your actual monthly call volume, not just the sticker price — overage and rate-limit behavior varies by plan.
If you're choosing between Fixer and XE mainly on free-tier size or update frequency, exchangerate.dev is worth a look too: a free tier of 10,000 calls/month across 465 pairs, no credit card required, major pairs updating roughly every 60 seconds on trading days, a source and market_session field on every response, and an MCP stdio bridge on every plan including free — a capability neither Fixer nor XE currently lists.
Rates are from the free tier, updated intraday on trading days. Indicative only, not for settlement or regulated trading.