I have daily limit 500 polish zlotys (PLN). 500 Polish zloty = 144.8605 U.S. dollars. How many BTC can i get, and who can do this?
If this is a VISA card from Bank Zachodni WBK, the 500 zł will be actually about 136.50 USD at the moment.
How did I calculate that?
Go to http://corporate.visa.com/pd/consumer_services/consumer_ex_results.jsp
Choose "My Card Is In" EUR
Enter Bank Fee: 2.8%
My Transaction Was In: USD
You get 1 United States Dollar = 0.821153 Euro
Then go to http://indywidualni.bzwbk.pl/przewodniki/kursy-walut/kursy-walut-bank-zachodni-wbk-przewodnik.html
take rate from row Euro, in column "Sprzedaż". That's 4.4609 at the moment.
Do a calculation: 500 / 0.821153 / 4.4609 = 136.4971025716
Why like that?
Foreign transactions on this card are first converted by Visa to EUR, and then by the bank from EUR to PLN, adding a 2.8% conversion fee (not applied when transaction is in EUR).
500 PLN is 144.7805 USD at mean rate at the moment, so spending USD (or any currency other then PLN or EUR) will make you a 5.72% loss on all the currency conversions:
1 - (136.4971025716 / 144.7805) = 0.0572134882
The limits actually are:http://prepaid.bzwbk.pl/karty-z-doladowaniem/limity.html
Single transaction limit: 500 PLN
Daily cash withdrawal limit: 500 PLN (if you have a physical one, there are also virtual ones)
Max yearly turnover on the card: 10 000 PLN
Max balance at any moment: 3000 PLN
Its very unlikely that you have a different card then I am talking about - BZWBK issues them under lots of brands, but all have the same rates and limits.
Fee to withdraw from an ATM outside Poland is 10 PLN.
If this is a MasterCard from Bank Zachodni WBK, it'll be similar, but using MasterCard exchange rates here: https://www.mastercard.com/global/currencyconversion/index.html
(of course select base currency EUR, not PLN, and then convert EUR to PLN with BZWBK rates) and without the 2.8%, so it'll be better rate.
And of course you can do a chargeback on this card, but chargebacks are not taken as lightly in Poland as in US, and you have to have quite some proof of non-delivery of the goods or services paid by the card.