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.
You can calculate our conversion fees between different currencies for card transactions using our pricing page. Just choose Multi-currency account, and then Spending with the card.
You can’t set a default or preferred balance to convert from.
Here are some examples of how our conversion technology works.
If you’re buying something for 100 EUR and you have 150 EUR in your account, it’s free to spend
If you’re buying something for 100 EUR and you don’t have a EUR balance, we’ll convert the amount needed from your available balance, and charge a conversion fee
If you’re buying something for 100 EUR and you only have 90 EUR, but you have money in your USD balance, then we’ll use the 90 EUR, and convert the rest from your USD balance, charging a conversion fee