When you load your card, the conversion from cryptocurrency to USD occurs at that moment. Your crypto tokens are converted into USD at the current spot rate, and the equivalent USD value is stored on your card. This process ensures that your dashboard reflects the USD value of your loaded funds accurately.

The exchange fee for non-USD fiat transactions varies and is influenced by several factors. Primarily, it depends on the foreign exchange (FX) rate set by the local bank and the use of a foreign card at their ATMs.

Additionally, most local banks impose a one-time fee for using a card that is not local to the country and not affiliated with the bank itself.

While we do not have control over the FX rates set by local banks in different countries, we recommend contacting your local bank to inquire about their specific fees for using a foreign card to withdraw funds from their ATMs.