There is no 'actual' rate.
The rates you see in the newspaper or on a site like xe.com are mid-market rates for banks and financial institutions dealing in millions of dollars (any country), euros, pounds, yen, yuan, rupees.
If you go to your bank and ask about their selling rate, then walk across the street to a different bank and ask theirs, then do the same at the credit union down the road, and also at the foreign exchange shop at the airport, you will get four different rates.
Go back again tomorrow and get four more different rates.
