Convert pence into another currency if I only know dollars Say I have the following conversion currencies: USDUSD: 1, USDGBP: 0.772499, USDEUR: 0.891986 And I want to convert 0.95 into Euros. I need to first work out what 0.95 pence is in dollars and then to Euros 0.95 x 0.772499 x 0.891986 Am I correct?

No, your conversion is not correct. Since $$\mbox{USD}=0.772499\,\mbox{GBP}\quad\mbox{and} \quad \mbox{USD}=0.891986\,\mbox{EUR}$$ it follows that $$0.95\,\mbox{GBP}=0.95\,\mbox{GBP}\cdot \frac{\mbox{USD}}{0.772499\,\mbox{GBP}} \cdot \frac{0.891986\,\mbox{EUR}}{\mbox{USD}}=1.096942\,\mbox{EUR}.$$