When you pay at a merchant that charges in EUR, ether.fi now appliesn zero FX markup. You pay the true market conversion rate, without the extra currency fees commonly added by card processors.

This works whether your spending token is USDC or EURC.

In simple terms: If a merchant charges €100, you pay the real equivalent value. No hidden FX fees.

Foreign exchange fees are one of the most common hidden costs when using cards internationally. Many banks and cards add 1% to 3% markup on currency conversions. With ether.fi, you avoid those fees entirely when you pay in EUR.

Benefits include:

• Pay the real market rate when spending in EUR
• No FX markup added by the card processor
• Works automatically with USDC or EURC
• Better value when traveling or shopping in the Eurozone

This means more of your money goes toward your purchase instead of currency fees.

When a merchant charges in EUR:

No FX markup is applied.

• The merchant charges the transaction in EUR
• You pay using your ether.fi Cash card

Supported spending tokens:

• USDC
• EURC

Currency conversion may still occur if:

• The merchant charges in another currency (for example HUN or GBP)
• The terminal offers Dynamic Currency Conversion (DCC)

For the best rate, always choose to pay in EUR when prompted.

Merchant charge: €100

If the market rate at the time is:

€1 = $1.08

The amount deducted from your balance would be about:

$108 equivalent in your spending token

No FX markup is added.

If you have any questions about how to spend with 0% FX rates feel free to reach out to Support.