This article is for all Roles on Spendesk making payments / controlling payments.

FX fees

2.99% FX fees will be applied to any transactions made in a different currency than the one on your default Spendesk account (i.e. EUR, USD, GBP, SEK, NOK, DKK).

The conversion rate applied is the one used by Visa. Be aware that the transaction date is the one displayed on your payment.

To check that there is no error in our calculation or any extra fees wrongly imputed to you, you can use Visa's official website to obtain the final billed amount:

https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html

Avoid FX Fees​

You can talk to your customer success team about the volume of spend you currently have on Spendesk to lower the FX fees / delete them. You will have a chat to edit your subscription fix price including your needs and volume of spend abroad.

Withdrawal fees

If you have a Spendesk physical card and that your Account Administrator authorized cash withdrawal, 0.75% per withdrawal is applied whether you withdraw cash in a different currency or in your card's currency.

Aktualisiert am: 30/04/2026