What is the exchange rate used for my payment?

If you use your card in a currency other than the one your card is denominated in, the amount deducted from your available balance will be converted into your account currency using the exchange rate set by Mastercard. To help you compare charges for currency conversion, you can view the real-time percentage difference between the amount that will be charged to your card for a foreign currency transaction (including the mark-up applied by Mastercard and any other charges) and the latest available euro foreign exchange reference rates issued by the European Central Bank.

This information is available on both the Spendbase website and app, so you can easily track and understand the exchange rates applied to your transactions.