Originally Posted by Adraco

FCP also writes in their list of fees, and I quote:
* When a transaction is made as a foreign transaction or is requested in a currency other than USD, charges of up to 3% may be assessed above all charges assessed by MasterCard for the transaction.
End quote.
Meaning, if you have a FCP card in USD currency and withdraw in Europe as you say, you will not be withdrawing USD but some European currency. This means that FCP will ding you with some extra "up to 3%" in currency exchange fees - on top of what Mastercard already charge! Since both Paxum and FCP are Mastercards, it is safe to assume that Mastercard themselves will charge the same exchange rate at any given time for both the cards but FCP will add their own 3% fee on top!