Glossary · Fees
Foreign transaction fee
Also known as FX fee, foreign-exchange fee
A foreign transaction fee (FX fee) is a charge for spending in a currency other than your card's — and the advertised "0% FX" is often gated to a card's top tiers.
A foreign transaction fee is what a card adds when you pay in a currency that isn’t your card’s home currency — on holiday, or buying from an overseas merchant. It usually sits on top of the network’s own exchange rate, so the headline percentage isn’t always the whole cost.
Why it matters: “0% foreign transaction fees” is one of the most common crypto-card headlines, and one of the most commonly gated. The fee-free rate is often reserved for the higher loyalty tiers — the ones that need a big token stake or a paid subscription — while entry-tier cardholders quietly pay full freight. If you travel or shop abroad often, check which tier the 0% actually applies to before you believe the banner.
For example: the Crypto.com Visa charges anywhere from 0.2% to 3% depending on region and tier — the entry US tiers pay a flat 3% on non-USD spend, and only the top tiers reach 0%. Nexo charges 0.2% on EEA/UK/Swiss currencies and 2% elsewhere on weekdays, then adds a 0.5% weekend surcharge on top, so a Saturday purchase abroad runs higher than the weekday rate. Both as of June 2026.