What foreign exchange rate does Xinja use? Updated September 09, 2019 00:47 We use Mastercard's daily standard FX rate and we don't apply any markup. You can check the Mastercard website at: https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html Related articles Are there any international fees on the debit card? Can I use my card overseas? How much can I deposit into the bank account? Does the Xinja bank account have any fees? How do I get a Xinja bank account?