Spend without fees in any currency, all over the world.

We use the Mastercard exchange rate. Yonder simply pass on that rate directly to you without adding any mark-ups or fees to make money.
What's representative APR?
Representative APR (annual percentage rate) is a rate credit providers, that's us, show so you can compare the cost of different credit products.

It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
Yonder card on a pink backdrop

We don't hide fees in the exchange rate.

When you spend abroad, your bank or credit card will be given a rate by Mastercard, Visa or American Express. Some credit cards (not us) add up to 3% on top of that rate to make more money.

The European Central Bank (ECB) publishes exchange rates based on a daily average of European central banks.

Mastercard rates sometimes vary from the European Central Bank rates, so we've added a calculator to see the difference.

Choose a currency:

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European Central Bank rate

1 GBP = 1.166258 EUR

Date updated: 4 October 2021

Mastercard Rate

1 GBP = 1.166258 EUR

Date updated: 4 October 2021

Yonder mark-up over Mastercard


Total mark-up over European Central Bank rate


Using Yonder 


could improve your credit rating

Check you’re eligible before applying
You can see if you’re eligible without affecting your credit score. If you continue, we’ll carry out a full credit check.
Borrow what you can afford
When you use a credit card, you need to pay off your balance at the end of the month. Only spend what you can afford to repay.
Improve your credit over time
Making your monthly payment on time could help improve your credit rating. Just like missing a payment can impact it.
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