If you often travel abroad, it will be convenient to take one bank card, which can be used to pay in several currencies, while saving.
A multicurrency card is one plastic card to which several additional accounts in different currencies are linked. The most frequent use of such cards: rubles / euros, rubles / dollars, rubles / dollars / euros.
In appearance and the functions they perform, they do not differ from the ruble ones. Multicurrency cards are used to accumulate funds, pay for various goods. Such cards can be debit and credit.
Pros:
- Annual card maintenance. There is no need to pay for multiple cards in different currencies.
- When paying with a card in a foreign currency, you can save on conversion. Binding the card immediately to the desired currency allows you to write off funds immediately from the currency account.
- Such a card is convenient in order to exchange currency, there is no need to visit the bank, this can be done through Internet banking or an ATM.
Minuses:
- If you have made a transaction in another foreign currency, for which you have not opened an account (for example, in Chinese yuan), then currency conversion will certainly take place.
- If the settlement runs out of funds in one currency, it will automatically be debited from another currency account.
- Such a card in use will not be convenient for everyone, but only for those who often travel abroad.
