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We use the Mastercard® exchange rate. Simply pass on that rate directly to you without adding any mark-ups or fees to make money.
When you spend abroad, your bank or credit card will be given a rate by Mastercard, Visa or American Express. Some credit cards (not us) add up to 3% on top of that rate to make more money.
The European Central Bank (ECB) publishes exchange rates based on a daily average of European central banks.
Mastercard rates sometimes vary from the European Central Bank rates, so we've added a calculator to see the difference.
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