@Big-B I hear you brother! It’s actually totally weird, why the heck can’t we chouse our own spending account?
I wanted to start a new topic regarding this, but since I’m a newbie, I just can’t. But what I can do is c/p the intended text right here, in hopes that someone might hear us!
Here it is:
So basically everything is perfectly explained under this article:
While I totally agree with A (You should first be deducted the paying currency if account with that currency and sufficient funds available because … common sense)
However, I’m not fully happy with B! The next available option of paying in base currency might not be an optimal one!
Let me give you a perfect example, which is my case here! I live in Norway and therefore NOK is my base currency. I need and have funds on my NOK account as well as my EUR account. If I pay with NOK or EUR it’s perfect, these exact accounts are charged! However, if I pay in any other currencies it deducts from the NOK account, which is due to very poor current NOK -> EUR conversion far from optimal! When for example in Denmark and paying with my card in DKK I want my EUR account to be charged, not the NOK! The only way now to actually force EUR is to transfer all (or enough) of my NOK temporarily to account in some another norwegian bank and transfer it back. You can imagine how far away from practical this is! And there is no option to temporary freeze/block the base (NOK) account for the purpose of forcing EUR. This would be much better but still not a real solution! I was in contact with customer services and got confirmed that this is how it is for now.
What I did, just for testing, was changing the account order, by putting the EUR on the very top, over the base NOK account just to see if this might work, and as expected, NOK was still charged when paying in DKK or any other … However, this might be the very simple, effective and intuitive solution for “fixing” this in some future version. I don’t know if there is a critical mass of users that would like to see this feature in the future updates, but being a software engineer myself, I know that everything is more or less already in place, and all it takes is a few changes in code for doing so, something quite trivial. So I hope you will seriously consider doing so!
Thank you for the fantastic product and users, if you might benefit from introducing this enchanced flexibility for card (and maybe even bank) payments, please back me up!