XTB is notifying users of its multi-currency card of an important change. From 28 September 2025, currency conversion will no longer be free, which may affect the cost of foreign transactions.
What does it mean for holders of the XTB multi-currency card?
Until now, XTB card users could use currency conversion without additional fees. Now, from the end of September 2025, every transaction requiring currency exchange will be charged a new fee. This is a significant change, especially for people who travel frequently or buy foreign shares.
New currency conversion rules – fee details
The updated terms and conditions show that all transactions involving currency conversion will be subject to a fee under a new tariff, which is sent directly by the card provider, DiPocket UAB. Exact rates and conditions will be available in the updated terms and conditions in the XTB app and on the website.
- Currency conversion fees from 28.09.2025
- A new fee table will be available in the terms and conditions
- Information will be sent by DiPocket UAB in a separate email
Why did XTB decide on this change?
Companies offering multi-currency cards often depend on external payment service providers. The change to the terms by DiPocket, an electronic money institution supervised by the Bank of Lithuania, may result from the need to adapt to market or regulatory conditions. For customers, this means that the previously popular free currency conversion service will become an additional cost.
How to prepare for the change?
XTB customers should carefully review the new terms and conditions, which will arrive by email shortly. It is worth:
- Monitoring correspondence from DiPocket and XTB
- Checking the details of currency conversion fees
- Considering whether to use the card for currency transactions
- Planning alternative solutions if the fees prove too high
Email sent by XTB:
Dear Customer,
In the coming days, DiPocket UAB, the provider of the multi-currency electronic wallet, will send an email with updated Terms and Conditions introducing currency conversion fees and the rules for charging them.From 28 September 2025, all transactions requiring currency conversion will be subject to an additional fee, in accordance with the new fee table.
Please review the updated Terms and Conditions once you receive them from DiPocket UAB.
The service is available to individuals holding an investment account with XTB S.A. The card is issued under a Mastercard licence by DiPocket UAB, an Electronic Money Institution registered by the Bank of Lithuania.
If you have any questions, please contact us at support@xtb.pl or +48 22 2019560
Kind regards,
XTB Team
Email sent by DiPocket to multi-currency card users:
We are informing you that from 29 September 2025 we are introducing a fee for currency exchange when using the multi-currency card. From 29 September 2025, all transactions requiring currency conversion will be subject to an additional fee in accordance with the new price list. Detailed information on the amount of fees and the conditions for charging them can be found in the updated terms and conditions, available in the XTB app and on our website in the Documentation section. In the coming days, DiPocket UAB, the provider of multi-currency cards, will send an additional email with full information on the changes – XTB Team DiPocket®
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