What if I spend money in a currency that I don’t have in my card balance?
If you don’t have the currency you need in your card balance, you can still spend money. Our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee!
If the currencies that you hold in your account have the same conversion fees, we'll use the one with the best exchange rate, so you get the most for your money.
You can’t set a default or preferred balance to convert from.
Here are some examples of how our conversion technology works.
A. If you’re buying something for 100 SGD and you have 150 SGD in your account, it’s free to spend
B. If you’re buying something for 100 SGD and you don’t have a SGD account, we’ll convert the amount needed from your available balances
C. If you’re buying something for 100 SGD and you only have 90 SGD, but you have money in your USD account, then we’ll use the 90 SGD, and convert the rest from your USD account.