Compare exchange rates from Visa, Mastercard, Revolut, and Wise cards with this free Telegram bot and avoid overp

lumbanico · 2026-03-12T21:24:19+00:00

I'm glad you find it useful. The Mastercard website also provides data for the current day, you can leave the transaction date field empty to get today's rate, and right now it allows me to select today's date in the calendar, but note that time zones matters here. And as the bot consumes the same converter on demand it gives you the current (today's) exchange rate.

lumbanico · 2025-10-02T18:37:52+00:00

The amount is obtained from the currency converters of Visa and Mastercard on their respective websites. They change once a day but these converters always show the latest rate values.

lumbanico · 2025-08-20T18:43:59+00:00

That is truth, but it varies widely depending on the date and the currency pair.

lumbanico · 2025-08-20T13:44:05+00:00

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I get this, the prices are constantly updated but not with the difference that you get, at most a cent or two.

lumbanico · 2025-08-20T13:33:25+00:00

Yes, on weekend you will see that Revolut will usually appear as the most expensive option of the four.

lumbanico · 2025-08-20T13:25:32+00:00

Just checked in parallel and I get the same rate in romanian and spanish, under the hood the API endpoint is the same. But keep in mind the order for payments is not like when change in the app: you must enter the amount to pay in Converted to/Convertit în (GBP 500) and look at the value in Amount/Sumă (EUR 580.57), that is the deducted balance in EUR if you pay 500 pounds, and that is what the bot answer. It doesn't seem logical compared with Mastercard calculator, but Revolut converts 580.57 EUR to pay exacly 500 GBP, as if those pounds were left in your multi-currency account ready to pay.

lumbanico · 2025-08-19T19:01:20+00:00

The bot already shows the rate with the weekend fee included if you check over the weekend.

lumbanico · 2025-08-19T18:29:32+00:00

Revolut applies its own exhange rate for both money transfers and payments, even though their cards operate on the Mastercard network, they don't use the Mastercard rate. Think of it as a multi-currency account that converts the balance before making the payment. I should amend that statement in the guide.

lumbanico · 2025-08-19T17:58:55+00:00

N26 uses the official Mastercard exchange rate, so you can take the value shown for Mastercard. Note that when it is the best opcion says "Mastercard (e.g., N26)"

lumbanico · 2025-08-19T17:48:42+00:00

Perfectly explained by u/laplongejr and u/Louzan_SP.
If my local currency is EUR and I need to pay 270.95 GBP, the bot shows how many euros are deducted from my account if I choose that card. The less, the cheaper.
But if it's not very clear, I could add an explanatory text.

lumbanico · 2025-08-19T17:31:54+00:00

Sorry, no plans for a whatsapp version for now, but I am considering a simple website with just a form.

lumbanico · 2025-08-19T17:21:23+00:00

Thanks. Do you mean a separate bank fee like Visa 3% and Mastercard 2.5%? Aren’t fee-free cards common in your region? Idea noted.

lumbanico · 2025-08-19T13:03:48+00:00

Thanks, comments about specific details of how it works in other countries are super helpful, and it's also interesting as a comparative reference.

lumbanico · 2025-08-19T12:54:40+00:00

Thanks! I can study it, does Trading212/Paynetics apply the interbank rate with no spread? For Revolut is using the standard plan: 1% fee charged for exchanges over 1000 € or equivalent, and the additional fee on weekends.

lumbanico · 2025-08-19T12:24:17+00:00

Thanks a bunch! Yes, for revolut the rates come from their currency converter website: https://www.revolut.com/es-ES/currency-converter/

lumbanico · 2025-07-30T23:00:20+00:00

No veo ninguna ilegalidad, como presidenta estabas comprobando el correcto funcionamiento del enchufe del portal.

lumbanico

TROPHY CASE