Fees and Exchange Rates on Global Top-Ups
A zero-fee promise means nothing if the exchange rate hides the cost. Learn how to read a quote and find the true price of sending credit abroad.
Every cross-border payment has a cost. The only question is whether you can see it.
This page shows you where to look.
The two places cost hides
The first is an explicit fee. It is visible, and it is the honest kind.
The second is the exchange rate. A service can advertise no fee and still take several percent by converting at a poor rate.
How to check a rate
Find the mid-market rate for the pair you are converting. It is published freely and takes seconds to look up.
Compare it to the rate you were quoted. The gap is what the conversion cost you.
Reading a quote properly
A clear quote separates three things. What arrives. What the service costs. What rate was used.
If a quote shows only a total, you cannot check any of it. That is usually the point.
Why fees differ by destination
Reaching a network costs different amounts in different countries. Taxes, settlement terms and operator agreements all vary.
A flat worldwide fee is simpler to advertise. It is not more honest.
Currency on both sides
You pay in your currency. The phone receives in its own. Something must convert, and someone sets that rate.
We print ours before you confirm. See the pricing page for the full breakdown, or our transparent pricing commitment for the rule behind it.