How do you avoid extra conversion fees with multi-currency cards?

Every time I use my card outside my home country, I worry I’m paying more than I need to because of hidden currency conversions. With the crypto card, there are so many options for holding different coins and regular currencies that I feel like I could be saving more if I set it up right. Do you guys have any strategies to keep costs down, especially if you’re traveling or making online purchases in foreign currencies? Would love any advice on how to plan ahead or set up the balances properly.
 
WossyB on August 13 2025 at 07:19 AM in Finance
2 Answer(s)
My sister uses her card for freelance payments and says the biggest thing is not to ignore the rates when making larger purchases. She checks the rate in the app and sometimes waits for a better one if it isn’t urgent. She also found that some platforms let you lock in an exchange rate before you spend, which saved her a bit during her last trip. Little things like that really add up, especially if you’re dealing with multiple currencies regularly.
Jameson 19 hours, 9 minutes ago
Honestly, managing conversion fees was my biggest reason for switching to a crypto debit card. Now I try to keep small amounts in the main currencies I use, so if I travel, I can pay directly without triggering extra conversions. If I know I’m heading somewhere, I top up the needed currency beforehand. The card will default to that currency if there’s enough, and if not, it instantly converts from my crypto balance. For more on setting up balances and understanding how the card chooses what to spend, I always check https://whitebit.com/crypto-card. It’s really just about keeping an eye on your balances and planning ahead, especially if you’re trying to save on those little fees that add up over time.
Bills 23 hours, 7 minutes ago