For non-local currency payments:
0% fee if your group was created between July 15, 2025 and September 15, 2026
2% fee if your group was created before July 15, 2025 (tip: make a new Cino card to get 0%!)
How it works for non-local currency:
We use the wholesale fixed daily rate from VISA® or Mastercard (depending on your Cino card).
The rate stays the same all day.
To check the exact rate, you can use the VISA® Currency Converter Calculator or Mastercard currency exchange; just make sure you select the right date and account for time zones (they update their rate daily at 12 PM Central Standard Time (CST)).
💡 Heads up:
Exchange rates can change between the time you pay and when the merchant processes your payment.
If your connected card has a different currency than your Cino account, your bank/card issuer might charge extra fees—check with them to be sure.