You can use your Spendesk cards wherever Mastercard is accepted, including abroad. Just make sure to load your card before travelling: you might be somewhere where the Internet connection is poor. If that is the case, you may not be able to top up your card (or request a top up) on the moment.

Using your cards in the US 🔥

Make sure that you enter your card and type your pin as swiping your card won't work with our cards due to limited security.

About Security:

Our cards come with specific securities features. We advise our customers to always insert the card into a connected payment terminal and type in your PIN code.

If you need to be able to withdraw cash, ask your Account Owner to contact the support team via email ( or directly via chat to activate the Cash Withdrawal feature.

FX fees:

2.99% FX fees will be applied to any transactions made in a different currency than the one on your default Spendesk account (i.e. EUR, USD, GBP, SEK, NOK, DKK).

The conversion rate applied is the one used by Mastercard. Be aware that the transaction date is the one displayed on your payment.

0.75% on Withdrawals:

If you have a Spendesk plastic card and your Account Administrator authorized cash withdrawal, a 0.75% per withdrawal is applied whether you withdraw cash in a different currency or in your card's currency.

Check your spending limits abroad on our dedicated article.

👉🏻 If your card numbers start with 55, you will need to read the Prepaid cards' limits article. If they start with 53, read the Debit card limits article on the help center category "Spendesk Cards".

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