You are able to use your card to make payments abroad. The most up to date exchange rate is stated in the Kestrl App in the ‘Cards’ tab
We are not responsible if you lose any money as a result of a currency exchange or if you are charged fees or a different rate by someone else for a currency exchange. This is because we don’t charge those fees or set a different rate.
A good example of this is if you are overseas and end up paying a bill at a restaurant. You agree on the card machine to pay in your home currency, rather than the local currency. When you do that, you’re asking the restaurant’s bank to convert the currency for you instead of Kestrl, and they may use a different rate or charge a fee.
If you use your card outside of the UK or EEA, then there is a fee applied per transaction. See a full breakdown of fees here.