I got a card for my trip to Europe, just in case, to have money not only in cash. I added the card to Apple Pay for payments with my phone (they only issue a virtual card, no plastic provided). I immediately topped up the account, and the money was converted to euros at the internal exchange rate. The difference from the Central Bank's rate is minimal (of course, there's a slight discrepancy in favor of the service, but without any excessive greed). Compared to the rates at the exchange offices where I exchanged cash, this is actually advantageous. On the very first day, I tried to pay at a café – everything worked perfectly. I just tapped my phone, and the money was instantly deducted from the card. I was worried that there might be problems, but afterwards, I mainly paid with the card. All transactions went through without any issues.
