If you don’t have the currency you need in your account, you can still spend money. Our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee.
If the currencies that you hold in your account have the same conversion fees, we'll use the one with the best exchange rate, so you get the most for your money.
You can calculate our conversion fees between different currencies for card transactions using our pricing page.
You can’t set a default or preferred balance to convert from, but if you want to exclude a certain currency from being spent you can add your money to a Jar.
Some terminals will ask you to select the currency they charge on the card. We recommend using the home currency in the country you're in, so you can take advantage of our conversion rates.
Examples of how our conversion technology works:
For these examples, lets say you’re buying something for 100 EUR
If you have a 150 EUR in your account, it’s free to spend
If you don’t have a EUR account, we’ll convert the amount needed from your available balances, and charge a conversion fee
If you only have 90 EUR, but you have money in USD and GBP, we’ll check which currency has the lowest conversion fee/best exchange rate to EUR and pay the rest from that currency
For Brazil cardholders
The smart conversion won't work for Brazilian cards when you have a BRL account. If you try to spend in a currency that you don’t have, and BRL is the only available currency, the transaction will be declined because of insufficient funds.
If you are using a card issued outside of Brazil, you won't be able to spend from your BRL balance. Instead, when you use your card to spend in BRL, we'll convert another currency you have in your balance to BRL. It's best to make sure you have money in other balances for this reason.