> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.nqoodlet.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Currency Conversion Fees Explained (FX Fees)

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](https://www.mastercard.us/en-us/personal/get-support/convert-currency.html)

# 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**.