We don't charge any international purchase fees, and currency conversion fees are fully refunded (and, of course, we don't charge anything for the card itself). You’ll initially be charged a 3.5% fee on top of the international transaction cost, but shortly after you’ll see it refunded within the app. To see this refund, tap on the transaction in the transaction list and it will show you the currency conversion fee and the associated refund.
Please be aware that some banks MAY charge you for ATM withdrawals separately when overseas - this is not something we can control however :-( A couple of tips on avoiding unnecessary costs: 1) If the ATM or terminal ask which account you'd like to use, we suggest selecting 'credit' as this will most reliably allow the transaction to go through without extra fees. 2) If given the option, always choose to pay in the local currency. that way we'll be able to guarantee you a better exchange rate
P.S to get cash you can only use an ATM and there is a AUD 500 daily limit :)