How to Calculate Crypto Card Foreign Transaction Fees

It is hard to judge a crypto card’s cost of paying abroad from a single displayed fee. Breaking down what is added to one payment lets you compare cards accurately.

How foreign transaction costs work

The merchant’s currency, the card’s billing currency and the country where the card was issued drive the cost. Even a USD transaction with no conversion can carry a foreign transaction fee.

What to compare

• Foreign transaction fee
• Exchange-rate margin
• Card issuance and maintenance fees
• Crypto asset conversion costs and network fees
• The exchange rate applied to refunds

Worked example

If you spend $20,000 a month and your current card costs 2% in total extra fees while another costs 1%, the difference is $200 a month. This is an assumption to show the calculation and is not Xerovan’s pricing.

Checking in Xerovan

The Xerovan app lets you pay by Visa card with supported assets and shows the applicable fees before the transaction. Fees vary by country and transaction type.

Note: This article is general information, not financial or legal advice. Xerovan is not a bank; card and payment services are provided by licensed partners. Availability and fees vary by country, and merchants and issuers decide whether to approve a payment. Digital assets involve risks, including price volatility, network disruptions and possible loss of funds.