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.
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.
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.
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:
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
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
0.00%
Total mark-up over European Central Bank rate
0.2505553%
Using Yonder
responsibly
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.
Get 1 month free and
a £50 dining credit
Including
Then £15/month. Cancel anytime.
Thank you. You're in.
Oops! Something went wrong while submitting the form.
Representative example
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.
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.
REPRESENTATIVE
64.0%
(variable)
purchase rate
27.71%
(variable)
Assumed credit limit: £1200.
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.
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.
What does all this mean?
Get 1 month free and
a £50 dining credit
Including
Then £15/month. Cancel anytime.
Finish your eligibility check
CF
25% complete
Continue
Representative example
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.
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.
REPRESENTATIVE
64.0%
(variable)
purchase rate
27.71%
(variable)
Assumed credit limit: £1200.
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.
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.
What does all this mean?
You're eligible, {name}!
Continue in the app to get your 1 month free & £50 dining credit
Then £15/month. Guaranteed 64.0% APR
Cancel anytime. APR subject to verification
You've been pre-approved for £{amount}
Continue in the app to get your 1 month free & £50 dining credit
Then £15/month. Guaranteed 64.0% APR
Cancel anytime. APR subject to verification
Continue in the app to get your 1 month free & £50 dining credit
Then £15/month. Guaranteed 64.0% APR
Cancel anytime. APR subject to verification