You can easily exchange money in 28 currencies by clicking on the 'Exchange' button in the top-right corner of the Accounts tab. You can easily choose which currencies to exchange and you will see the amount you’ll receive before you finalise the exchange.
If you exchange currencies on weekdays (Mon-Fri UTC) you will receive the interbank exchange rate.
On the weekend (Sat-Sun UTC) we fix the rate we provide to protect ourselves against fluctuations.
As for markup fees, we have a fixed 0,4% markup on any exchange that you make above your plan's free allowance.
Since the interbank exchange rate is constantly fluctuating, the rate that we lock in for the weekend may not be the same as the rate that is available when the markets open on Monday morning.