XTB informs about a major change for multicurrency card users. As of 28 September 2025, the conversion ceases to be free, which could affect the cost of foreign transactions.
What does this mean for XTB card holders?
Until now, XTB card users have been able to use the conversion at no extra charge. Now, from the end of September 2025, any transaction requiring a changeover will be charged a new fee. This is an important change, especially for people who often travel or purchase foreign shares.
New rules for conversion – details of fees
The update of the Regulations shows that any transaction with a conversion will be subject to a fee in accordance with the new tariff which is directly sent by the card provider DiPocket UAB. The exact rates and conditions will be available in the updated rules available in the XTB application and on the website.
- Fees for the conversion from 28.09.2025
- The new fee table will be available in the Rules of Procedure
- Information will be sent by DiPocket UAB in a separate email
Why did XTB decide to make such a change?
Multicurrency card companies are often dependent on external payment service providers. The amendment of the Rules of Procedure by DiPocket, an electronic money institution supervised by the Bank of Lithuania, may result from the need to comply with market or regulatory conditions. For customers, this means that the so-far popular free conversion service will become an additional cost.
How to prepare for a change?
XTB customers should read the new rules carefully, which will come by email soon. Worth:
- Follow correspondence from DiPocket and XTB
- Check the details of the conversion fees
- Think about using the card during currency transactions
- Plan alternative solutions if charges are too high
Mail sent by XTB:
Dear Client,
In the coming days, DiPocket UAB, the provider of a multicurrency electronic wallet, will send an e-mail with updated Terms and Conditions, introducing currency translation fees and rules on their calculation.As of 28 September 2025, all transactions requiring conversion will be charged an additional fee, in accordance with the new toll table.
Please read the updated Terms and Conditions after receiving it from DiPocket UAB.
The service is available to individuals holding an investment account in XTB S.A. The card is issued under Mastercard license by DiPocket UAB, an Electronic Money Institution registered by the Bank of Lithuania.
If you have any questions please contact us: [email protected] or +48 22 2019560
Greetings,
XTB Team
Mail sent by DiPocket to multi-currency card users:
Please be advised that from 29 September 2025 we introduce a currency exchange fee when using a multi-currency card. As of 29 September 2025, all transactions requiring currency conversion will be charged an additional fee according to the new price list. Detailed information on the amount of fees and the conditions for charging them can be found in the updated rules, which is available in the XTB application and on our website in the Documentation section. In the coming days, DiPocket UAB, a multicurrency card provider, will send an additional e-mail with full information about the changes made – XTB Team DiPocket®
