I have a suggestion: why not use mastercard’s exchange rates? I start to think that the whole inter-bank rates provided by morningstar are usually worse than mastercard’s and Revolut is not profiting from that. Also, the current mark-up costs on weekends make no sense when you have other cheaper exchange rates.
So, I think there should be at least an option for the customers select what exchange rate process they want for their cards, the Mastercard/Visa or the Inter-bank.
What do you think?