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Glossary

FX Markup

An extra percentage added on top of the exchange rate when a card spends in a currency other than its base.

Last updated: June 2026

A foreign-exchange (FX) markup is a hidden fee many bank and travel cards add when you spend abroad — typically 1–3% above the real exchange rate.

Because stablecoin-funded crypto cards settle from a dollar-pegged balance, they can avoid or minimise FX markups, which is a major reason travellers and remote workers use them.

See Kripicard fees

Related terms

  • Fiat CurrencyGovernment-issued money such as USD, EUR or GBP that a crypto card converts to when you pay a merchant.
  • StablecoinA cryptocurrency designed to hold a stable value, usually pegged 1:1 to a fiat currency like the US dollar.

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