When I pay with debit card at store (Purchase Transaction listed as free) do I still get 3% Foreign Transaction Fee since card I ordered is in euro, and my domestic currency is not? On Xapo it is listed that you pay 3% fee (I presume Visa takes it for conversion). Since on Xapo it is such a case, it must be here too. Or I am wrong, and fee is free even it is not in euro?