Compare rates before you pay

Usually. Most bank cards add a foreign transaction fee of up to 3% and convert at the card network's rate. Moreta charges one 1.5% fee at the live rate, and you top up in your own currency at home, so most banks treat it as a normal domestic payment and add no foreign transaction fee. The calculator above shows the difference for your amount.

In most cases. A cash withdrawal abroad can carry your bank's out-of-network fee, its foreign transaction fee and the local machine's own fee on every withdrawal. With Moreta you scan the merchant's QR code instead, so there is no withdrawal to pay for.

Moreta's row uses its live exchange rate and 1.5% fee. The other rows use typical published fees from the sources behind How we estimate, under the calculator, checked on the date shown. Actual fees vary by bank, card and location.

The app shows the live rate and the 1.5% fee on screen before you confirm, and that is what the payment uses. Rates move during the day, so the figure here is a guide to today's rate.See every fee

You can add US dollars (USD), British pounds (GBP), Euros (EUR), Canadian dollars (CAD), and Australian dollars (AUD), and spend in the local currency of every supported country.Browse every country

Yes. Each payment carries the same 1.5% fee at the live rate however long you travel, while every ATM withdrawal adds its own out-of-network and machine fees, so the gap grows the longer the trip.