pliant's fair exchange rates

When you use pliant cards for cash withdrawals abroad or online purchases in a foreign currency, pliant applies the VISA exchange rate with no mark-ups or fees added.

Below are the exchange rates you get when using pliant cards for foreign currency transactions.

Please note that the exchange rates can fluctuate and they may change between the time a transaction is made and the time it is confirmed and added to your organization's credit card billing statement.

Please choose a currency to see our exchange rate.
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European Central Bank rate


Date updated: 13 October 2020
VISA rate


Date updated: 13 October 2020
Total mark-up over European Central rate


pliant mark-up over VISA rate


pliant's cashback for below market FX rates


Does not apply to cash like transactions, government payments, and charities.
More details on exchange rates

In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of European central banks which banks and other financial institutions use to set their own exchange rates.

When cards are used for payments in foreign currency, the 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.