Free tier — no card, 10,000 calls/month. Live intraday rates, full history to 1999, and MCP on every plan. Try the live FX rates API anonymously before you sign up.
Every plan gets the same rates — major currency pairs update every ~60 seconds on trading days, most other pairs too, with ECB/FRED daily reference for the rest. Plans differ by volume and speed, not freshness. See which currencies are live.
No card required. Full schema. Full history to 1999.