What about an in app tool for giving currency conversion at the live rate. Could use location info to default to local rate so when you travel you can do quick conversions in the App?
It’s been suggested before, I think. There were various objections, I believe. It hasn’t been taken up by Monzo (yet).
Not sure it would work as the live rate changes regularly and I’m sure it’s the rate when transaction actually confirmed that’s taken, not when purchase made.
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It would be great if they could get it to work and update live, other than that there isn’t really a bad reason for having it.