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If you open an overseas savings account in 11 major currencies in the world and deposit your favorite foreign currency in advance at any time, you can make foreign currency payments when shopping overseas without paying fees. I made a Debit card called Wallet.
It is also possible to withdraw local currency at an overseas ATM, but in this case, a 1.79% administrative fee and overseas ATM usage fee will be charged each time.
I have never used a Debit card until now, but it seems that if you put money in your account in advance, you can make payments in the same way as with a credit card.
The price displayed on the LCC Ryanair reservation site was in euros, so I tried using it immediately.
However, I was surprised to find that the payment was made in yen.
In addition, the company's own exchange rate and commission at the time of booking Ryanair are applied, and the exchange rate is nearly 10 yen/€ higher.
Depending on the amount used, several thousand yen will be different.
When I immediately called the customer center to confirm, I was told that this company had requested it in yen.
The only thing that can be considered is that the name, address, etc., were registered at the time of reservation, so it was requested in yen without permission.
I think it's possible to pay directly in euros, but I still don't know how to do it (≧∇≦)
However, the reservation site "Omio" that I used next confirmed which currency to use when making the payment, so the euro payment went well and I was able to make a reservation at a low price.
I'm sure that if you use it at an overseas store, you will be sure to tell them that you would like to pay in euros.
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What I learned well from using this time was that (1) Sony Bank's exchange rate and exchange cost are much more favorable to users than other banks and money changers.
In addition, since it is a ② Debit card, it is super convenient to know the payment status online.
It is similar to QR code payment.
See https://moneykit.net/visitor/sbw/sbw09.html for details.
It will surely become an effective weapon for overseas travelers.
If you look for it, there may be other companies that offer similar systems.
In the case of credit cards, the results of overseas usage are displayed in the details after a considerable delay, so even if the exchange rate is high, there is nothing you can do about it, and countermeasures will be delayed.
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In the future, I would like to check overseas sites more carefully and settle by local transit.