# Exchange rates for card payments

Unless provided otherwise in the List of Prices and Services or in any of the Bank’s special Terms & Conditions (as listed under “Other Products” on [www.solarisgroup.com/en/customer-information/](/content/en/customer-information/index.html)), for payments made using a Solaris payment card, the conversion rates as specified by Visa or Mastercard are applied.

In accordance with REGULATION (EU) 2019/518-7 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL, information about the mark-up over the latest available euro foreign exchange reference rates issued by the European Central Bank (ECB) can be found in the table and via the links provided below.

| Card scheme | Solaris FX mark-up | Mark-up by card scheme (and comparison to the ECB reference rate) |
| --- | --- | --- |
| Visa | 0% | [https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html](https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html) |
| Mastercard | 0% | [https://www.solarisgroup.com/en/exchange-rates/mastercard/](/content/en/exchange-rates/mastercard/index.html) |