Hey @NIYOCOMM20240929C6JI
Welcome to the Niyo Community! 
Thank you for your inquiry. Please note that the conversion rates applied to Niyo cards are based on the live VISA exchange rate. As a result, there may be slight fluctuations between the rate you see before completing a transaction and the actual rate debited by the merchant, due to timing differences.
For your convenience, you can always check the exchange rate prior to any transaction using the following link Exchange Rate Calculator | Visa | Visa
If you have any further questions or need assistance, feel free to reach out our live in-app chat team or write to global.escalation@goniyo.com 
