Card currency and conversion

The currency of our cards is USD (US dollars). That means the card balance, debits, and settlement are handled in dollars by default.

How conversion works

If you pay in a currency other than USD, the amount will be converted into dollars. Conversion is performed using US bank rates (rates may vary depending on the payment system, issuing bank, and processing time).

Keep in mind:

• the conversion rate is determined not by the app, but by the payment infrastructure (bank / payment system);
• the final USD amount may differ from the preliminary estimate due to rate fluctuations and rounding rules.

Possible additional fees

Paying in another currency is supported and works correctly, but conversion may introduce extra costs, for example:

• a conversion fee charged by the bank / payment system;
• dynamic currency conversion (DCC) offered by a merchant or terminal when they ask you to pay “in your currency” at their own rate (often less favorable).

Recommendation when paying

If the app, website, or terminal offers a choice of settlement currency, it is recommended to choose:

• USD (US dollars) — to avoid extra conversion and possible additional fees.

If you choose the purchase currency instead (for example EUR / GBP / PLN), the system will convert it to USD, and the final cost may be higher because of extra conversion or fees.

Example in simple terms

• Purchase in USD: the amount is charged directly from your USD balance.
• Purchase in EUR: the EUR amount is converted into USD using the bank / payment system rate; additional conversion costs may apply.

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If you often pay in multiple currencies, that is completely fine: the card supports it. Just keep in mind that the most predictable outcome is paying in USD whenever that option is available.