By default, you won’t be charged additional fees for domestic card transactions. For international transactions, Nqoodlet applies an FX rate markup of up to 3% when you make a payment in a different currency. Exchange rates are updated daily based on the wholesale rate available to Nqoodlet through our card network partners.

How FX Fees Work

• A 3% FX fee applies to any transaction made in a currency different from your default Nqoodlet wallet (e.g., SAR, USD, EUR).
• The FX fee is calculated based on the USD equivalent of the transaction, even if your wallet is in SAR or EUR.
• The conversion rate applied is the one used by Mastercard.
• The transaction date used for conversion is the payment date.

Verify Exchange Rates

You can check the official exchange rate used for your transaction using the Mastercard Exchange Rate Calculator:

Mastercard Exchange Rate Calculator

How to View Your Transaction Charges

• You can access transactions in two ways:
• • From the My Cards Glance tab on the My Cards page, which opens by default and displays all transactions for all cards.
  • Or by selecting a specific card, then viewing its transactions and choosing the one you want to review.

How to Avoid FX Fees

If you frequently make international payments (USD, EUR, etc.), contact your Customer Success or Account Manager.

Based on your spending volume, Nqoodlet can provide a dedicated wallet in the foreign currency, helping you avoid FX fees entirely and simplify international payments.

Withdrawal Fees

Cash withdrawals using your physical Nqoodlet card are free of any withdrawal fees.

Updated on: 12/02/2026