Finance

Fremdwährungsgebühr

Foreign Transaction Fee

Simple Definition

Fee charged when you use your Swiss card abroad or buy something online in EUR/USD.

Why this matters to Expats.

The silent killer. Traditional Swiss credit cards charge 1.5% - 2.5% PLUS a bad exchange rate spread. You can lose 4% on every coffee in Italy.

Actionable Intelligence

The Solution: Use a Neo-bank (Neon/Yuh/Revolut) for travel. They use the Interbank rate with little to no surcharge. Saving 3% on your entire holiday budget is significant.

DCC: Never let a card terminal convert for you (Dynamic Currency Conversion). Always choose "Pay in Local Currency" (e.g. EUR).

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