i notice that there are three currencies in the wallet.
Assuming I got GBP card , if the wallet is loaded with bitcoin that and sent it to the euro account part.(would be 1% fee)
Do you still incur a foreign transaction fee if then used in euros?

Or do you load it with pounds and then if you use it (shops, fuel stations etc) around the rest of Europe, does it convert/draw from the GBP or Euro account? (incuring a 3% fee???)
Same with international ATM fees.
Which part of the wallet does the funds come from?