I just noted that my Norwegian Nordea's Visa Debit card's spread is 2,56% when I pay my shoppings with it in Estonia:
>>> a=7.33 // Google showed this course in its search by 1 EUR in NOK >>> b=7.52 // currency course shown in netbank >>> ave = (a+b)/2 >>> diff = b-a >>> diff/ave 0.025589225589225523 >>>
I have an intuition that to use the credit card minimize the spread cost. However, not sure yet, since no personal experience. I have also Mastercard, which costs me about 8 euros every month, when I do nothing with it. I will get it soon to my hands so I can test it.
How do you minimize the spread costs of shoppings in North or Europe?
I am particularly interested in the countries: Finland, Norway and Estonia, but I can travel if it will save me a percentage of money in every shopping.