When you make card transactions (payment at the store or online, cash withdrawal from the ATM), in currencies other than your card’s, the issuing and accepting banks offer you foreign exchange services at various rates and fees.

To ensure greater transparency and comparability of foreign exchange costs for consumers, the European Parliament and the Council of the European Union have adopted REGULATION (EU) 2019/518 amending Regulation (EC) No 924/2009 as regards certain charges on cross-border payments in the Union and currency conversion charges.

According to the above-mentioned regulations, when a card transaction is made in any European Economic Area (EEA) currency different from the current account currency of the card used in the respective transaction, the total currency conversion cost perceived by the issuing bank will be expressed as percentage mark-up over the Euro reference exchange rate issued by the European Central Bank (ECB). In the case of a conversion between two non-euro currencies, the mark-up is based on a rate derived against the Euro from the two corresponding rates published by the ECB (for example: the RON / HRK derivative ECB rate will be calculated by the ratio between the EUR / HRK ECB rate and the EUR / RON ECB rate).

Vista Bank informs its customers about the total currency conversion cost as follows:

• Through the SMS Alerts service, offered free of charge to all customers when their card is issued.
• Through the calculator on this page.

The calculator below provides an indicative comparison between the total monetary conversion costs (exchange rates and related charges) of Vista Bank card transactions in the currencies of the European Economic Area (EEA) * or the United Kingdom and the ECB reference rates. If your card currency is the same as the transaction currency, there are no currency conversion costs.

* The European Economic Area (EEA) includes, in addition to the Member States of the European Union, Iceland, Liechtenstein and Norway.

Notes:

• ECB rate fluctuates daily.
• The rates published on this site are updated every working day, at around 10:00 AM.
• The rates applicable at debiting your account are those valid on the date the transaction is processed by Visa; this may differ from the rates valid on the transaction authorization date (date of purchase).