International fees are high. But also conversion from BTC to USD is not for free. Whoever is doing the conversion is charging a fee. Probably as part of excha

International fees are high. But also conversion from BTC to USD is not for free. Whoever is doing the conversion is charging a fee. Probably as part of exchange rate where they add a markup. So you don't see an explicit fee in your statement but they use little worse exchange rate and that is their cut. Also whoever is their payment processor (whoever they partnered with to print those debit cards as they don't have license to do it themselves) is charging some fees.