What exchange rate is used when spending in foreign currencies?

Payments you make on your card in a foreign currency will be converted to pound sterling using the Visa exchange rate. This changes daily, but you can keep track of things here. We don’t add any additional charges.  

Sometimes you’ll be asked which currency you want to pay in. We always recommend selecting the local currency to avoid unnecessary exchange rates. For example, if you’re in Spain, you should choose to pay in euros rather than pounds.