Domestic and global payments
Use your multi-currency card to pay wherever Visa is accepted. Withdraw cash from ATMs around the world. Get contactless payments with your phone or watch.Explore payments without borders
Safety and convenience
Security is our top priority, which is why your funds in your currency wallet and card are kept separate. Easily transfer money between them whenever you want, it only takes 1 second.Check how it works
No fixed charges
Forget about paying for your foreign currency account. Drop mandatory transaction limits, hidden fees and high currency conversion costs.See price list
Card perfect for you and your loved ones
Order up to several multi-currency cards and share them with your loved ones by assigning the card to their phone number. At any moment, pass them on to someone else or turn off the sharing.Learn more on card sharing
Attractive rates and up to 20 foreign currency accounts for free
No more currency conversion costs, commission or unfavourable rates when paying by card. You no longer need to keep several currency accounts with different banks. Conveniently manage your funds from a single place in 20 currencies in free accounts. That is not all. You can pay in more than 160 currencies, and the funds on your card will be automatically converted.
Choose a card to suit you
In your wallet
- Express delivery by courier and to parcel lockers or standard delivery by post.
- Standard payments, both stationary and online.
- Withdrawals from ATMs around the world.
- Immediate top-up using your currency wallet.
- Add your card to Apple Pay or Google Pay and pay with your phone, or connect to Garmin Pay and Fitbit Pay to make payments with your watch.
On your phone
- Use the card as soon as its ordered.
- Greater security for online payments.
- No chance of losing the card.
- Immediate top-up using your currency wallet.
- Make contactless payments and withdraw cash from ATMs with Apple Pay, Google Pay, Garmin Pay and Fitbit Pay.
Multi-currency cards within your reach
You only need one card to pay at home, online and abroad conveniently. Take control of your balance and save on currency conversion.
Don`t wait to get your physical card. Add a virtual card and pay seamlessly with your phone.
Download Conotoxia app
Transform your smartphone into a financial superpower. Have complete control of your money, wherever you are and whatever currency you need.
- Log in seamlessly from anywhere.
- Track current rates and convert currency at attractive rates.
- Top up your card and control your spending.
Express card top-ups at any time
Before using the card for the first time, top up your currency wallet and instantly shift funds to your multi-currency card. Manage your money freely by moving it from your currency wallet to your card and vice versa when you need.Find out how it works
Multi-currency card under control
Manage your expenses and set limits. Enable and disable foreign and contactless payments at any time. Shift your funds immediately from your currency wallet to your card and back again. Change your PIN and block or restrict your card when necessary.
Everything done online
Forget about complicated contracts and unfavourable conditions. You can conveniently order a card online.
No hidden fees
No more unexpected bank charges for account maintenance and commission for foreign payments. Get free access to accounts in 20 currencies, pay by card, withdraw funds from any ATM and make savings.
No strings attached
Put an end to cumbersome conditions and fixed fees for using your card. We do not require regular, minimum deposits or a specified number of transactions. Use your card the way you want to. For free.
The card can be ordered by anyone who has an account with Conotoxia.com. If you are not an existing customer, create a free account.
We do not charge you any commission for card payments.
Yes, topping up from your currency wallet is free. Remember to top up your currency wallet and then transfer the funds to your card before using it for the first time.
No. You can transfer any amount of money from your currency wallet to your card and vice versa. To do this, use the slider.
Yes. You can set your card limits from your User panel or in the dedicated mobile app. If you do not want to keep the funds on your card, you can also shift them back to your currency wallet.
Yes. Our multi-currency card allows you to use Google Pay, Apple Pay, Garmin Pay and Fitbit Pay.
Yes. You can do this in the User panel, dedicated mobile app or by contacting our Customer Care Department.
Yes. The app is available for the most popular platforms (Android and iOS).
It can be used for contactless payments, in-store and online payments. With our card, you can easily withdraw money from an ATM. Use it wherever Visa cards are accepted.
The virtual card is ready to use immediately after it has been ordered.
Some foreign ATM operators charge an additional commission for cash withdrawals at their ATMs, a so-called surcharge. This surcharge is independent of the card issuer and is added directly to the withdrawal amount. The ATM operator is obliged to inform the user about the additional commission before executing the withdrawal.
You can check the balance of funds on each card account in the portal or dedicated app. It is not possible to verify the balance at an ATM.
If we receive a refund for a transaction that required currency conversion between accounts, we book it on the account matching the transaction currency. The funds will not be automatically returned to the account from which the currency conversion was made. The transaction will be settled in the same way, if the final settlement will involve a lower amount than the value of the block created when the transaction was authorized. The unused blocked amount will be made available on the account in the currency of the transaction settlement.
Yes. Cash can be withdrawn contactless at ATMs equipped with a contactless reader, using a physical or virtual card, either using your phone or watch. To pay by contactless, you must first add your virtual card to one of the services: Apple Pay, Google Pay, Garmin Pay, and Fitbit Pay.
Apple Pay service protects transactions using security features built into the device's hardware and software. When using Apple Pay, a code and (optionally) Face ID or Touch ID must be set up on the device.
The Google Pay app also has a security system to help detect fraud and counteract hacker attacks (e.g. card data protection, required PIN or other lock).
In the case of Garmin Pay and Fitbit Pay, card data are protected by assigning a unique number to the watch.
Your multi-currency card number is not stored on the device or on servers.
Authorization of transactions at self-service petrol stations takes place before filling up to the amount declared by you or to the maximum amount of a single fueling at a given station. The final amount of your transaction may be lower or equal to the amount of the authorization block. If the settlement is for a lower amount, the unused blocked amount will be made available on the account on which the transaction was settled.
Multi-currency cards are available for Polish residents as well as residents of the European Union (excluding Croatia and Ireland) as well as Norway.
The possibility to share your card with another person is available for multi- currency cards 2.0 available in our offer after 19.12.2022. If you wish to use this feature, please order a new card.
You can carry out card transactions in more than 160 currencies. If the transaction is made in a currency other than the currency of the accounts held, Visa will automatically convert such transactions into card currency using its exchange rate.
You can check the exchange rate used by Visa for the transaction and the mark-up amount for this rate in relation to the ECB rate* here. Please note that you should enter "0" in the "Bank fee" field, as we do not charge additional currency conversion fees for our multi-currency cards.
The amount of the indicated mark-up may change over time due to exchange rate volatility and may be different at the time of the payment transaction in the future.*Mark-up presented as a percentage of the most recent euro reference exchange rate announced by the European Central Bank (ECB).
Order your multi-currency card today
Say goodbye to paying for multiple cards at different banks. Order a multi-purpose card for daily and international payments. Don't hesitate! Start saving now.Order a card