LocalExchangeRates.com

Official Rate Sheet: East Caribbean Dollar (XCD) / Stellar Lumens (XLM)

Date generated:

Mid-Market Rate: 1 XCD = 3.8511 XLM

Real-Time Interbank Wholesale Feed: October 6, 2026

East Caribbean Dollar to Stellar Lumens Exchange Rate (XCD to XLM)

Real-time mid-market wholesale rate with zero retail markup. Check benchmark pricing before bank conversion or international wire transfer.

Bottom Line Up Front (BLUF): How much is 1,000 XCD in XLM?

1 XCD = 3.8511 XLM

At the current mid-market wholesale exchange rate, converting 1,000 East Caribbean Dollar (XCD) yields approximately 3,851.13 Stellar Lumens (XLM) (inverse rate: 1 XLM = 0.2597 XCD). This rate represents the pure interbank benchmark. Retail dealers and commercial banks typically apply a commercial spread between 1.5% and 3.5%. View live calculations, historical charts, and provider spreads below.

You Pay (Amount): XCD

You Receive (Estimate): XLM

Wycena na podstawie średniego kursu międzybankowego (0,00% marży)

Kurs rynkowy: 1 XCD = 3.8511 XLM

Kurs odwrotny: 1 XLM = 0.2597 XCD

Status danych: Live Data (Redis)

Looking for reverse calculation? Check XLM to XCD (Stellar Lumens to East Caribbean Dollar) Live Converter →

XCD to XLM Real-Time & Historical Rate Chart

Track historical volatility and key price support levels for East Caribbean Dollar against Stellar Lumens

Period High

3.8973 XLM

Period Low

3.8049 XLM

Volatility / Avg

3.8511 XLM

Mid-Market Trend

+0.25%

30-Day Range (1M) Position: 50% range

Min: 3.8049 XLM

Max: 3.8973 XLM

52-Week Range (1Y) Current Position: 65% Range

Min: 3.7163 XLM

Max: 3.9859 XLM

Standard Denomination Conversion Matrix (XCD & XLM)

Wholesale interbank rate matrix with zero retail markup or hidden fees.

East Caribbean Dollar → Stellar Lumens (XCD / XLM)

Wholesale Benchmark

East Caribbean Dollar (XCD)	Stellar Lumens (XLM)
1 XCD	3.85 XLM
5 XCD	19.26 XLM
10 XCD	38.51 XLM
25 XCD	96.28 XLM
50 XCD	192.56 XLM
100 XCD	385.11 XLM
200 XCD	770.23 XLM
250 XCD	962.78 XLM
500 XCD	1,925.56 XLM
1,000 XCD	3,851.13 XLM
2,500 XCD	9,627.82 XLM
5,000 XCD	19,255.65 XLM
10,000 XCD	38,511.29 XLM

Stellar Lumens → East Caribbean Dollar (XLM / XCD)

Wholesale Benchmark

Stellar Lumens (XLM)	East Caribbean Dollar (XCD)
1 XLM	0.26 XCD
5 XLM	1.30 XCD
10 XLM	2.60 XCD
25 XLM	6.49 XCD
50 XLM	12.98 XCD
100 XLM	25.97 XCD
200 XLM	51.93 XCD
250 XLM	64.92 XCD
500 XLM	129.83 XCD
1,000 XLM	259.66 XCD
2,500 XLM	649.16 XCD
5,000 XLM	1,298.32 XCD
10,000 XLM	2,596.64 XCD

Provider / Channel	XCD/XLM Effective Exchange Rate	Estimated Fee	Estimated Received (XLM)	Effective Difference
⚡ LocalExchangeRates Interbank Wholesale (Pure Benchmark)	3.8511 XLM	0.00%	19,255.65 XLM	Benchmark (0%)
🏦 Major Commercial High-Street Banks Standard bank wire / counter transfer	3.7163 XLM	~3.50%	18,581.70 XLM	-673.95 XLM
✈️ Airport Currency Exchange Kiosks Airport terminal cash counters	3.4660 XLM	~10.00%	17,330.08 XLM	-1,925.56 XLM

1 XCD to XLM: East Caribbean Dollar to Stellar Lumens Exchange Guide

Searches for 1 XCD to XLM or convert XCD to XLM describe the amount of Stellar Lumens received per 1 East Caribbean Dollar. At today's wholesale baseline of 1 XCD = 3.8511 XLM (inverse: 1 XLM = 0.2597 XCD), understanding retail bank margins helps protect your funds:

🌏 International Transfers & Travel (Eastern Caribbean ↔ Stellar Network)

Whether remitting money internationally or budgeting for travel, benchmark retail bank quotes against the wholesale mid-market rate to avoid excessive markups.

🏦 Commercial Bank Spreads

Major commercial banks typically add markups between 1.5% and 3.5% on foreign currencies, whereas digital multi-currency accounts operate with tighter margins.

📈 Monetary Policy Drivers

Interest rate decisions and monetary policies set by Eastern Caribbean Central Bank (ECCB) and Stellar Development Foundation shape the medium-to-long term valuation of XCD/XLM.

XCD and XLM Currency Profiles

Official monetary framework, central bank governance, and banknote specifications for Eastern Caribbean and Stellar Network.

How the XCD to XLM Exchange Rate Works

Foreign exchange transactions between Eastern Caribbean (XCD) and Stellar Network (XLM) trade continuously on global wholesale interbank currency markets. The mid-market rate represents the exact mathematical midpoint between institutional buy (bid) and sell (ask) quotes without retail dealer markups.

Key considerations when converting or transferring between XCD and XLM:

Banking Channel Selection: Digital banking transfers and specialized multi-currency accounts generally offer exchange margins of 0.2% to 0.8%, whereas airport physical cash booths frequently charge 8% to 12% over the interbank baseline.
Central Bank Oversight & Policy: Monetary policy decisions, policy interest rate differentials, and currency reserves managed by Eastern Caribbean Central Bank (ECCB) and Stellar Development Foundation serve as the primary long-term drivers for this currency pair.
Customs Cash Declaration Thresholds: Travelers carrying banknotes or negotiable instruments between Eastern Caribbean and Stellar Network exceeding equivalent to 10,000 USD or EUR are legally required to file written declarations with border authorities.
Avoid Dynamic Currency Conversion (DCC): When using payment cards abroad or withdrawing cash from ATMs, always elect to be billed in the local currency (XLM) rather than your home billing currency to bypass costly DCC conversion markups.

LocalExchangeRates aggregates real-time wholesale interbank benchmarks to provide users with transparent, independent currency valuation.

Frequently Asked Questions: East Caribbean Dollar to Stellar Lumens Conversion

Common questions regarding East Caribbean Dollar to Stellar Lumens conversion, bank spreads, and transfer costs.

How much is 1,000 XCD in XLM today?

At the current mid-market exchange rate (1 XCD = 3.8511 XLM), 1,000 East Caribbean Dollar equals approximately 3,851.13 Stellar Lumens. Retail exchange bureaus and commercial banks typically apply a 1.5% to 3.5% transaction spread.

Where can I get the best exchange rate for East Caribbean Dollar?

To secure the best rates, avoid airport currency kiosks which routinely apply markups exceeding 8% to 12%. Converting currency at major commercial banks or using a low-fee multi-currency card typically delivers the closest rate to the mid-market benchmark.

Are there cash declaration limits when traveling with XCD?

Most international customs jurisdictions mandate a formal declaration when carrying physical cash or negotiable instruments exceeding the equivalent of 10,000 USD or EUR. Check with local customs authority (Eastern Caribbean Central Bank (ECCB)) prior to departure.

Does the exchange rate fluctuate during weekends?

Global interbank foreign exchange markets close on Friday evening (5:00 PM EST) and reopen on Sunday evening. Over the weekend, rates remain static at the Friday close, though retail providers may widen spreads to offset volatility risks.

How is the mid-market exchange rate calculated?

The mid-market exchange rate is the exact midpoint between global wholesale institutional buy (bid) and sell (ask) quotes. It serves as the global benchmark without any added retail broker or banking markup.