At high street banks, currency conversion can be a bit of a black box. When you’re dealing with things like hidden markups and fees, it’s hard to know if you’re getting the real exchange rate. But at Starling, we pride ourselves on being fully transparent. We actually show you the real exchange rate – and then our flat 0.4% fee separately. It’s not hidden or incorporated into something else – you’ll get the full view of how the currency conversion is calculated.