Why use eToro Card when spending abroad?
The answer is simple. Market-leading exchange rates, no added fees, and alerts to help you keep track of your cash.
Market-leading exchange rates
Spending abroad with eToro Card means you enjoy one of the best exchange rates available*
No added fees
When using your card to spend in a foreign currency, either buying or withdrawing cash abroad, or spending online from the comfort of your sofa, we don’t charge you any further FX transaction-related fees.
Keep track of your cash
We’ll send you instant notifications about how much you spent each time, helping you keep track.
* FX competitiveness based on research by eToro in September 2024. Comparative rates taken from below-listed competitor websites at that time.
eToro card FX rates
| Rate | Currencies | Times |
|---|---|---|
| 0.25% above currency supplier rate | eToro preferred-rate currencies* | Sunday 10:02pm – Friday 10pm UK |
| 0.5% above currency supplier rate | eToro preferred-rate currencies* | Friday 10:01pm – Sunday 10:01pm UK |
| 0.55% above currency supplier rate | All other currencies | At all times |
* eToro card preferred-rate currencies: Australian Dollar (AUD) | Pound Sterling (GBP) | Polish Zloty (PLN) | Canadian Dollar (CAD) | Hong Kong Dollar (HKD) | Singapore Dollar (SGD) | Swiss Franc (CHF) | Israeli Shekel (ILS) | South African Rand (ZAR) | Czech Koruna (CZK) | Mexican Peso (MXN) | Turkish Lira (TRY) | Danish Krone (DKK) | Norwegian Krone (NOK) | Swedish Krona (SEK) | Euro (EUR) | New Zealand Dollar (NZD) | US Dollar (USD) | Thai Baht (THB)
Our FX rates explained
eToro Money offers one of the best exchange rates available on the market. Compare our rates to others on the market for when you spend in a foreign currency (see Comparative FX rates table below).
| Company |
Cost to spend €1000 * |
Effective rate (GBP/EUR) |
Total mark-up on ECB rate
|
|---|---|---|---|
| eToro Money | £842.55 | 0.84255 | 0.88% |
| Monzo | £838.90 | 0.8389 | 0.45% |
| Starling | £838.90 | 0.8389 | 0.45% |
| Revolut | £830.67 | 0.8307 | -0.54% |
| Monese | £851.88 | 0.85188 | 2.00% |
| HSBC | £858.15 | 0.85815 | 2.75% |
| Lloyds | £860.15 | 0.86015 | 2.99% |
| Barclays | £864.75 | 0.86475 | 3.54% |
| NatWest | £865.53 | 0.8655 | 3.15% |
| RBS | £865.53 | 0.8655 | 3.63% |
| Santander | £867.21 | 0.86721 | 3.84% |
* Values provided are at time of executing the above research, and reflect the cost of making a FX transaction with an eToro-approved currency during market hours of our UK-based rate providers, on 24/09/24. If you want to know how our rate compares with non-approved eToro currencies, or approved currencies of non-market hours, please contact us through the app.
The rate you get from most providers will often include a combination of multiple fees. That could be a flat fee for spending abroad, a mark-up on the FX rate they’re given by the card-scheme, or the mark-up the card-scheme adds to the interbank rate – in some cases, all three.
With us, it’s simple. We offer you the currency supplier rate, with a simple 0.25 or 0.5% mark-up (see table below). We do not pass on any card-scheme fees, and there are no other fees. (Note: This applies to eToro approved currencies. Non-approved currencies do not skip card-scheme fees, and we apply 0.55%.)
View our currency rate calculator to help you work out how purchases abroad will convert to your home currency.
TOP TIP: Always choose to pay in the local currency to get the best rates.
Withdraw cash for free!
(within fair limits)
If you hold a green eToro card, you can withdraw up to £2000 a month with no transaction fee. If you hold a black eToro card, the limit is £10,000 per month. Once you have passed the limit, the fee* is 1%.
* Fee applies to both international and national transactions, based on the conversion to GBP.
Even more reasons to use your eToro card abroad:
- Lost your card? Freeze it instantly in the eToro Money app
- Card stolen? Call our 24/7 line, UK (Toll free) +44 808 134 8401, International +44 203 868 2903
- Need a card before you travel? Order now, and you’ll have it within 7 business days
- No need to tell us before you travel, you’re covered.*
- Instant spending alerts: Keep track of your spending & check the FX rate in the app
* Certain transactions may occasionally be declined for security reasons
