For programmatic, reproducible market data, exchangerate.dev wins on provenance, price, and time-to-first-call. A fixer still leads if you need a manned terminal with news, chat, and execution in one seat.
If your data flows into code — backtests, pipelines, dashboards — exchangerate.dev fits the way you already work. Point-in-time history is default, every value names its source, and you can start free in minutes with public, per-call pricing.
If you need a person at a desk with breaking news, dealer chat, and order execution beside the numbers, a terminal still does more in one seat. exchangerate.dev is data infrastructure, not a trading cockpit.
Choose exchangerate.dev when reproducibility, automation, and cost matter more than a manned interface. Keep fixer for the desk that needs news, chat, and execution together. Many teams run both — exchangerate.dev feeds the models, the terminal sits with the trader.