Abstract: Systems and methods allow changing a default currency of a multi-currency card. The default currency may be changed by: (1) accessing a database of card numbers associated with currency identifies that indicate the currencies in which payments may be processed for a the multi-currency card to retrieve currency-change rules that apply to the multi-currency card; (2) determining circumstances of how the multi-currency card is to be used; (3) applying the currency-change rules retrieved for the multi-currency card to the determined circumstances; (4) choosing, based on the currency-change rules and the circumstances, a favorable default currency; and (5) changing the default currency of the multi-currency card to the favorable default currency. The default currency defines a currency in which transactions on the card are transacted.