LocalExchangeRates.com

Official Rate Sheet: Stellar Lumens (XLM) / NEO (NEO)

Date generated:

Mid-Market Rate: 1 XLM = 0.0116 NEO

Real-Time Interbank Wholesale Feed: October 6, 2026

Stellar Lumens to NEO Exchange Rate (XLM to NEO)

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 XLM in NEO?

1 XLM = 0.0116 NEO

At the current mid-market wholesale exchange rate, converting 1,000 Stellar Lumens (XLM) yields approximately 11.62 NEO (NEO) (inverse rate: 1 NEO = 86.0952 XLM). 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): XLM

You Receive (Estimate): NEO

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

Kurs rynkowy: 1 XLM = 0.0116 NEO

Kurs odwrotny: 1 NEO = 86.0952 XLM

Status danych: Live Data (Redis)

Looking for reverse calculation? Check NEO to XLM (NEO to Stellar Lumens) Live Converter →

XLM to NEO Real-Time & Historical Rate Chart

Track historical volatility and key price support levels for Stellar Lumens against NEO

Period High

0.0118 NEO

Period Low

0.0115 NEO

Volatility / Avg

0.0116 NEO

Mid-Market Trend

+0.25%

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

Min: 0.0115 NEO

Max: 0.0118 NEO

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

Min: 0.0112 NEO

Max: 0.0120 NEO

Standard Denomination Conversion Matrix (XLM & NEO)

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

Stellar Lumens → NEO (XLM / NEO)

Wholesale Benchmark

Stellar Lumens (XLM)	NEO (NEO)
1 XLM	0.01 NEO
5 XLM	0.06 NEO
10 XLM	0.12 NEO
25 XLM	0.29 NEO
50 XLM	0.58 NEO
100 XLM	1.16 NEO
200 XLM	2.32 NEO
250 XLM	2.90 NEO
500 XLM	5.81 NEO
1,000 XLM	11.62 NEO
2,500 XLM	29.04 NEO
5,000 XLM	58.08 NEO
10,000 XLM	116.15 NEO

NEO → Stellar Lumens (NEO / XLM)

Wholesale Benchmark

NEO (NEO)	Stellar Lumens (XLM)
1 NEO	86.10 XLM
5 NEO	430.48 XLM
10 NEO	860.95 XLM
25 NEO	2,152.38 XLM
50 NEO	4,304.76 XLM
100 NEO	8,609.52 XLM
200 NEO	17,219.05 XLM
250 NEO	21,523.81 XLM
500 NEO	43,047.62 XLM
1,000 NEO	86,095.24 XLM
2,500 NEO	215,238.10 XLM
5,000 NEO	430,476.19 XLM
10,000 NEO	860,952.38 XLM

Provider / Channel	XLM/NEO Effective Exchange Rate	Estimated Fee	Estimated Received (NEO)	Effective Difference
⚡ LocalExchangeRates Interbank Wholesale (Pure Benchmark)	0.0116 NEO	0.00%	58.08 NEO	Benchmark (0%)
🏦 Major Commercial High-Street Banks Standard bank wire / counter transfer	0.0112 NEO	~3.50%	56.04 NEO	-2.03 NEO
✈️ Airport Currency Exchange Kiosks Airport terminal cash counters	0.0105 NEO	~10.00%	52.27 NEO	-5.81 NEO

1 XLM to NEO: Stellar Lumens to NEO Exchange Guide

Searches for 1 XLM to NEO or convert XLM to NEO describe the amount of NEO received per 1 Stellar Lumens. At today's wholesale baseline of 1 XLM = 0.0116 NEO (inverse: 1 NEO = 86.0952 XLM), understanding retail bank margins helps protect your funds:

🌏 International Transfers & Travel (Stellar Network ↔ NEO 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 Stellar Development Foundation and NEO Foundation shape the medium-to-long term valuation of XLM/NEO.

XLM and NEO Currency Profiles

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

How the XLM to NEO Exchange Rate Works

Foreign exchange transactions between Stellar Network (XLM) and NEO Network (NEO) 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 XLM and NEO:

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 Stellar Development Foundation and NEO Foundation serve as the primary long-term drivers for this currency pair.
Customs Cash Declaration Thresholds: Travelers carrying banknotes or negotiable instruments between Stellar Network and NEO 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 (NEO) 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: Stellar Lumens to NEO Conversion

Common questions regarding Stellar Lumens to NEO conversion, bank spreads, and transfer costs.

How much is 1,000 XLM in NEO today?

At the current mid-market exchange rate (1 XLM = 0.0116 NEO), 1,000 Stellar Lumens equals approximately 11.62 NEO. 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 Stellar Lumens?

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 XLM?

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 (Stellar Development Foundation) 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.