You may see additional charges due to a Foreign Exchange Conversion Fee of 3.10%, which is inclusive of a 1.98% service fee and a 1.12% cross border processing fee levied by MasterCard. Such charges will apply when the (online and offline) merchant's settlement is based overseas, regardless of the currency you have transacted in. This is not unique to only the Atome card, and will also apply to all other card issuers' transactions made with the same merchant. You may also reach out to your merchant for any applicable payment instructions prior to your purchase.