Will I be charged in the currency shown?
Prices in other currencies are a display conversion for convenience. The charge is based on the plan's base currency, and your bank may convert again.
The checkout shows the currency actually used before you confirm, so check there. The amount on your card statement may differ slightly because of your issuer's rate and fees.
Open a plan's page and the price shows in baht, yen, or whichever currency happens to feel familiar, and it is a fair question to ask whether that figure is exactly what a card will be charged. The short answer is not always. The number shown in another currency is a conversion for convenience while browsing, while the amount actually charged is based on that plan's own base currency.
This page explains why there are two figures in the first place, who determines the amount actually charged, and why the number appearing on your card statement may not match the one seen on the site exactly, along with how to check before buying, so nothing on the billing cycle comes as a surprise.
Why the site shows more than one currency
Showing prices in a familiar currency simply makes buying easier to reason about, especially when comparing prices across several countries or several plans at once. Rather than converting currency mentally every time just to work out whether something is expensive or cheap, the converted figure exists purely for ease of comparison — it does not change what currency the charge is actually made in.
The conversion rate used for display may update from time to time, but it does not necessarily match the exchange rate your bank or card issuer applies on the exact day a transaction happens, since these run on separate systems and separate timing. The displayed figure is best treated as an estimate for making a decision, not a final number to hold anyone to.
What actually gets charged follows the plan's base currency
Every plan carries a fixed base currency of its own. Regardless of which currency the site displays for browsing, the amount sent to the payment processor always follows that base currency. Showing another currency is purely a display layer — it does not change the currency the charge is actually made in underneath.
Your card converts it again on top
Once the charge is sent through in the plan's base currency, if that currency does not match the currency your card account holds, your bank or card issuer converts it again at their own exchange rate — not the rate shown on our site. This is why the final figure appearing on a statement can differ slightly from the number seen at the moment of buying.
Many banks also add a separate international-transaction fee on top of their own exchange rate, and the size of that fee differs by bank and by card type. We do not hold fee data for individual banks and should not guess a figure on their behalf — this is worth checking directly with the bank that issued your card.
The journey a figure takes from the site to your statement
Walking through it in order: the figure shown on the site is a conversion from the base currency for readability. On checkout, the system sends the real amount in the plan's base currency to the payment processor. Then, if the base currency does not match the card account's currency, your bank converts it again at their own rate, plus any fee, before it lands as the final figure on your statement.
Summary table: where currency conversion happens
| Touchpoint | What happens there |
|---|---|
| The site while browsing prices | Shows a price converted from the base currency purely for readability |
| At the moment of checkout | The amount actually sent for charging follows the plan's base currency |
| Your bank or card issuer | Converts again at their own rate if the currency does not match the card account, possibly adding a fee |
| The card statement | Shows the final figure after every step above, which can differ slightly from the number seen on the site |
Steps to check before buying
- 1Open the plan's details page and find the base currencyLook for where the plan states its base currency, usually near the main price figure.
- 2If it does not match your card's currency, expect a further conversionKnow in advance that the final figure may differ slightly from the site's number because of your bank's own exchange rate.
- 3Check with your card-issuing bank about international-transaction feesAsk or check your card's terms for whether this fee applies and how much it is.
- 4Avoid the checkout's own currency-conversion option if unsureLetting your bank handle the conversion often gets a better rate in many cases.
- 5Keep the receipt or a screenshot from checkout in case you need to compare it against the statement laterMakes it easier to check later if the figure on the statement looks unfamiliar.
Why the statement figure may look different from the number at checkout
If the statement figure differs slightly from the number seen at checkout, in most cases it is not an error but the result of the bank's own exchange rate on the transaction date differing from the rate the site was displaying at that moment, or an international-transaction fee being added. The difference is usually small, not a substantial mismatch.
If the difference looks unusually large, or the amount charged does not match the plan bought at all, that is worth checking as a specific case, not something to write off as ordinary exchange-rate variance.
Common mistakes when reading prices
The common mistake is assuming the figure shown in a familiar currency is the final, exact amount, when it is really just a conversion for readability. Another is forgetting that a bank may add an international-transaction fee, making the real amount slightly higher than expected for a reason that has nothing to do with the plan's own price at all.
Another mistake occasionally seen is assuming the checkout's own currency-conversion option always gives a better rate, when in many cases the rate on offer is no better than simply letting the bank handle the conversion itself.
A tool for comparing prices before deciding
When comparing several plans across countries, viewing prices in a familiar currency speeds up the comparison, but it is worth going back to check the base currency and the data allowance again before the final decision, since an accurate comparison needs both the price and what is included, not the price figure alone.
A checklist before buying
- Opened the plan page and found the stated base currency
- Understood the figure in another currency is a convenience conversion, not a fixed final amount
- Checked with the card-issuing bank about international-transaction fees
- Decided whether to accept or decline the checkout's own currency-conversion option
- Kept the receipt or a screenshot in case of comparing it against the statement later
If the amount charged genuinely looks wrong
If, after going through the steps above, the amount still differs unusually from what was expected, or a charge appears that is not recognised at all, contact support with a screenshot from checkout and the figure shown on the statement, so that specific transaction can be looked into properly. The channels available are LINE chat, email, and phone at 089-942-0818 / 088-521-6848 — we take messages around the clock, every day.
Opening a plan page and seeing the price in a familiar currency feels immediately easier — no arithmetic in your head. But that figure is a reading aid. It does not mean the amount taken from your card or account will match it exactly, because between the screen and the statement there is more than one place where a currency conversion can happen, and each place uses a different rate.
This page explains where the displayed price comes from, what a plan's base currency is and why it exists, how many conversion points there are and who sets the rate at each, and how to read a statement when the number is not the one you remember. The aim is to make the source of any difference visible, so you can tell what is ordinary financial plumbing from what is worth asking us about.
What the displayed price actually is
Every plan carries an original price in one currency, its base currency. That is the real price of the product. When you view it in another currency, the figure is converted for convenience so you can compare and decide faster. The conversion does not change the product's price into that currency — think of it as a translated label sitting beside the original price tag.
At payment, the system refers back to the price in the base currency. That is where the actual transaction occurs. From there your payment provider and your bank do their own work, which may include a further conversion so the amount appears in your account's currency. That is precisely where the statement figure can diverge from the one on screen.
Why a base currency exists at all
eSIM plans are sourced from suppliers whose contracts are denominated in one currency, so the cost arises in that currency. If we set and froze separate prices in ten currencies, every movement in exchange rates would immediately pull some of those prices away from the real cost. A single base currency keeps the price aligned with the cost, and means everyone buying the same plan genuinely pays the same price rather than paying differently because they happened to open the page on different days.
Another reason is clarity when a refund or an order correction is needed. With one base, working backwards is straightforward. If the base changed per buyer, reviewing each case would be more complicated and slower.
How many places a conversion can happen
People often assume a single conversion, but in practice there can be as many as three, and not every one applies to everyone — it depends on the payment method, the issuing bank, and how your account is configured. Knowing which points exist makes a statement far easier to read.
| Where it happens | Who sets the rate | Does it affect the amount actually charged? |
|---|---|---|
| The display conversion on the page | Our system, purely as a reading convenience | No; it is a figure to help you decide |
| Payment in the plan's base currency | The product price we set; no conversion involved | Yes; this is the base amount everyone calculates from |
| Conversion by the payment provider or card network | The payment provider or card network, at their own rate | Yes, if your account is in a different currency from the base |
| Conversion and fees applied by your issuing bank | Your bank, under the terms of your card agreement | Yes, and it is often the main source of the difference you see |
| An offer to pay in your own currency at checkout | Whoever presents that option at that moment | Yes, if you accept the offer |
The points where an exchange rate enters between the screen and the statement
The thing to take from that table is that we control only the first two rows. The last three sit with your payment provider and your bank. We do not know the rate your bank uses, and we do not know whether your card carries a foreign transaction fee, because those are terms between you and your bank.
When you are offered payment in your own currency
During checkout you may sometimes see an offer to pay in your own currency instead, with a pre-converted amount shown. It sounds appealing: a familiar figure and a certain amount right away. What you give up is that the rate used is set by whoever makes the offer — not by your bank, and not by us. So read what the quoted amount includes before deciding.
The alternative is to let the transaction happen in the base currency and let your own bank convert it. You will not know the final amount straight away and will have to wait for the statement, but the rate and terms will be the ones written into your card agreement. There is no universally better option, since it depends on each card's terms. What we can advise is to know you are making a choice, rather than tapping through without reading.
A foreign transaction fee is not the same thing as the exchange rate
These two get talked about together until they blur. The exchange rate is the multiplier that turns an amount in one currency into another. A foreign transaction fee is a service charge some banks add when a transaction involves an overseas merchant or a foreign currency. Some cards carry no such fee; others do. The detail is in the card terms your bank issued to you.
The upshot is that two people buying the same plan at the same price in the same second can see different amounts on their statements, if their cards come from banks with different terms. That is not a pricing error; it is the effect of the financial terms each person holds.
Why the statement figure may not match what you remember
Beyond fees and your bank's rate, timing matters. Exchange rates move constantly, and the moment a bank books a transaction may not be the second you tapped pay. Some banks hold a pending entry first and settle the final amount later, so what you see in the banking app on day one can differ slightly from what lands on that cycle's statement.
- 1Open the order confirmation emailLook for the price together with the plan's base currency. That is the base amount everything else is calculated from. Note both the figure and the currency clearly, because when you compare against a statement you must compare from this number, not from the converted figure that appeared on the page.
- 2Look at the amount on the statement or in the banking appNote the amount actually charged and the currency your bank shows. If the entry is still pending, wait until it settles before comparing, since a pending amount can change.
- 3Work out the rough differenceCompare the base amount against the charged amount and see how far apart they are. If the gap is small and consistent with a currency conversion plus whatever fee your card states, that is the normal picture and nothing to worry about.
- 4Check for duplicate entriesScroll through entries around the same date to see whether ours appears more than once. Tapping pay again because a screen froze can create two temporary pending entries, which usually clear on their own but are worth checking.
- 5If it still does not add up, contact usSend us the order number, the base amount from the confirmation email, and a screenshot of the banking app entry with card details covered. We can check our side for how many charges were raised and for how much. The rate and fees your bank applied have to come from your bank directly.
What we can tell you, and what only your bank can
| Question | Who can answer | Why |
|---|---|---|
| What is the plan's price in its base currency? | We can | It is the price we set and it appears in your order confirmation email |
| How many charges were raised for this order? | We can | We can check the order record once you give us the order number |
| What exchange rate did the bank use on this transaction? | Only your bank | The rate is set by the bank or card network and never passes through our system |
| Does my card charge a foreign transaction fee? | Only your bank | It is a term in the card agreement between you and your bank; we do not hold that information |
| Why does the pending amount differ from the settled one? | Your bank can explain it most directly | It depends on how pending entries are held and when the bank settles them |
| If a refund is issued, how much comes back? | We can state the refunded amount in the base currency | What lands in the account still passes through the bank's own conversion, which is outside our control |
Sorting which questions are ours and which are your bank's
Refunds when the rate has moved
If a refund is issued, the amount we return references the base currency just as the purchase did. But between the purchase date and the refund date the exchange rate may have moved. When your bank converts the refund back into your account's currency, the figure landing in the account can be slightly more or slightly less than what was originally taken. That is the mechanics of exchange rates, not a service deduction on our side.
Likewise, a fee your bank charged at the time of the transaction may not come back along with the product amount, because it is the bank's own service charge rather than part of the product price we received. For clarity on that point, ask your issuing bank.
How to reduce surprises about the amount
- Read the base-currency figure at the order summary before confirming
- Keep the confirmation email as the record of the base amount to compare against
- Know in advance whether the card you use carries a foreign transaction fee
- If you hold several cards, pick the one whose terms suit overseas transactions
- Read both options fully when offered payment in your own currency at checkout
- Wait for a pending entry to settle before comparing figures
- If the screen freezes during payment, do not tap repeatedly; check for a confirmation email first
If you see an entry you do not recognise
The merchant name on a statement does not always match the name you saw on the website, because some payment systems display the processor's name instead. Before concluding an entry is unfamiliar, compare its date and amount against your order confirmation email. If they match, it is your own transaction.
If they still do not match, contact us on LINE at https://lin.ee/skDPoNx (@esimonline) or by email at esimonline.asia@gmail.com with the date and amount of that entry. We will check whether a matching order exists in our records, and if the matter sits on the bank's side we will say so plainly and point you to what to raise with them.
Before you confirm an order
The order summary is the last point where you see everything at once before money leaves the account. Take a moment to read that the plan chosen is the one you wanted, the destination is right, the duration matches the trip, and what the amount in the base currency is. Ten seconds of reading here prevents more post-purchase trouble than reading a whole policy page afterwards.
Түгээмэл асуултууд
Why did the figure in my currency change slightly when I came back to the same page the next day+
The displayed figure is a conversion based on a rate that updates periodically, not a rate fixed forever, so it can shift a little depending on when the page is viewed.
If I pay with a card issued in the exact same currency as the plan's base currency, is there no conversion at all+
That is right — with matching currencies, your bank typically has nothing left to convert. It is still worth checking whether the bank applies any other international-transaction fee regardless of the matching currency.
Which bank's exchange rate does the site use for display+
The figure shown is a conversion the site itself uses for display, not a specific bank's rate, and it does not need to match the rate your own bank actually applies on the transaction date.
If I buy several plans at once, does each one need the same base currency+
No. Each plan carries its own base currency, and if several plans with different base currencies are bought together, each is sent for charging in its own currency separately.
What exactly is the checkout's own currency-conversion option+
It is an option some payment processors offer, letting you pay in your card's own currency at a rate they set themselves instead of leaving the conversion to your bank. The rate offered is not always the best one available, so it is worth thinking it over before choosing it.
Is the price I see in my own currency the amount that will be charged?+
Not necessarily to the exact figure. The amount shown in another currency is a display conversion for readability. The real transaction references the plan's base-currency price, after which your payment provider and bank may convert again at their own rates, and a foreign transaction fee may apply under your card's terms. The final amount can therefore differ slightly from what appeared on the page.
Why did my friend buy the same plan on the same day and get charged a different amount?+
Because the product price genuinely is the same; what differs is each person's payment path. Different banks use different exchange rates, some cards carry a foreign transaction fee and some do not, and the hours at which banks book a transaction can differ enough for the rate to move. None of that runs through our system. For a breakdown of the amount charged, ask the issuing bank directly.
Should I pay in my own currency or let my bank convert?+
There is no universally right answer, because it depends on your card's terms. Paying in your own currency gives you a certain amount immediately but at a rate set by whoever made the offer. Letting your bank convert means waiting for the statement but getting the rate and terms written into your card agreement. The best approach is to read your own card terms beforehand and then choose deliberately at checkout.
If I get a refund, will I receive exactly what I paid?+
The refunded amount references the base currency just as the purchase did, but if your account is in another currency your bank converts it back at the rate on the refund date, which may differ from the purchase date. The amount landing in the account can therefore be slightly higher or lower. A fee your bank charged at the time may also not be returned, since it is the bank's service charge rather than part of the product price.
I see two pending entries after paying — what should I do?+
Do not tap pay again. Check your email for confirmations first. If there is only one, it usually means one order exists and the extra pending entry will clear on the bank's own cycle. If there are two confirmations, a duplicate order really was created — contact us with both order numbers straight away, and do not install the second profile in the meantime.
Can the price on the page change while I am deciding?+
The price in the plan's base currency is the product price. The converted display figure reflects the exchange rate at the moment the page loaded, so if you leave a tab open for a long time and come back, that figure can shift even though the product price has not. The surest approach is to refresh before deciding, then read the base-currency amount at the order summary.
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