Spending in your card’s currency carries no FX cost. When you pay in another currency, the amount is converted automatically at the Visa daily rate plus a small, transparent markup.
- Same-currency spend — no FX markup.
- Foreign currency — Visa daily rate + a small markup disclosed in the fee schedule.
- Card maintenance — any monthly fee is shown before you order.
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The exact FX markup and any plan fees are always listed in the in-app fee schedule — transparent fees, disclosed up front.