0% Card
0% conversion fees across all currencies!
The 0% Card is a virtual business card featuring direct, real-time FX conversion. Forget about hidden bank margins, constant rate monitoring, and manual currency exchange. Issue virtual cards to your employees and contractors in seconds and save on every single transaction!
One Account (in EUR/USD/CHF).
Zero FX Fees.
Zero Barriers.
No Currency Barriers
No matter where your business is headed, currency exchange costs simply cease to exist for you. You get Sparados business cards with Zero Spread and Zero Commission, along with absolute freedom of payment worldwide. Sending employees to Japan? You don't have to worry about a JPY account. Running a logistics company with trucks driving all over Europe? You can completely forget about currency exchange.
No More "Empty Wallet" Issues
Traditional multi-currency cards require you to maintain separate balances for each individual currency. If your USD sub-account is short by just $5, the transaction will either be declined or the bank will charge penalty fees for emergency conversion. With Sparados, this problem disappears. As long as you have funds in your main account in EUR/USD/CHF, every single payment in all other currencies will be processed instantly and seamlessly.
Zero FX Risk
Buying currency in advance for sub-accounts freezes your capital and exposes your company to losses caused by sudden market fluctuations. Thanks to live conversion at the exact moment of payment, the Sparados card eliminates the risk of unfavorable exchange rate shifts after purchase. Your international expenses become fully predictable, and managing your cash flow becomes simpler than ever.
No Hidden Costs & Bank Margins
Traditional banks hide their profits in artificially modified exchange rate tables, charging corporate clients margins ranging from 2% to as high as 4%. At Sparados, we play fair. With every transaction in any currency, your funds are converted at the actual, real-time Mastercard rate. You pay exactly the mid-market rate. Our spread is a flat 0%.
Where is your company actually saving money?
CASE STUDY: Card payment of 5,000 PLN
(e.g., for Google/Meta ads or an invoice from a Polish contractor)
The amount deducted from your EUR business account:
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with Sparados: 1,183.33 EUR
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with mBank: 1,391.63 EUR
Note: The content of this publication has not been verified or approved by Revolut or mBank.