No, but you’ll get cheaper fees if you do.
If you’re going to any country whose official currency is one of our 18 supported ones, you can use your card like a regular debit card (as your would if spending in any currencies without a wallet).
However, you’ll always be charged a 2% instant swap fee*. Whereas if you swap in advance with a 7 or 3-day swap, you can pay just 1% or 1.3%.
* For all users who registered prior to 08/05/2017, the instant and Smart Swap fee is 1.4%.
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