FX Calculator

Your Visa card exchange rate

Spending abroad in a business trip can be complicated, but we simplify that.
We use Visa’s exchange rate with no added fees.


0% Foreign exchange fees.
0% Card issuance fees.
100% Control.

Yokoy will not charge you any foreign exchange fees. Order as many cards as you need easily in the Yokoy tool.

Thanks to Yokoy, the card is fully integrated with your existing finance and HR systems. You and your finance team can easily keep track and control expenses.

Why do I need to know the exchange rates?

In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly.

When you spend abroad, your bank or credit card issuer will be using a card scheme (the two biggest are Mastercard and Visa), and that scheme can set an exchange rate which could be above the ECB rate.

Your bank or credit card issuer can then either pass on that scheme rate directly to you, or add a mark-up or fees on top to make money.

All banks are now required to show you the ECB rate and any fees or charges they add on top.