If you make a transaction in a currency other than the currency of the card you will be charged an out of currency service charge (FX Fee) of 2.75%. The amount of the transaction, as converted to the currency of the card, together with the FX Fee will be deducted from the balance on the card. The limit is the balance available on the card and any attempt to spend more than the balance on the card will result in the transaction being declined.
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