FX fees question when traveling

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1

Hello, i have a question about fx fees.
I’m in France (EUR) and soon I will travel to the Czech Republic (CZK)
It seems to me that with the T212 card there are no fx fees, so if I pay with the T212 card, will it convert automatically and without fees?

I saw that there is a 0.15% fee if I convert in the app.

So If I understand correctly, I don’t have to do anything, no need to convert in the app? Just pay directly on site with the T212 card?

Are there any ATM withdrawal fees if I withdraw local currency?

Thanks in advance! Regards

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Exactly. Just pay with your card and it will do that conversion automatically for free.

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The only time it might be worth converting is if there is a really good exchange rate before you travel, then this would allow you to ‘lock in’ the price at that rate. Any money spent with the card would then come from that money rather than the current rate.

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Thank you, i understand. That does seem relevant!