[fittingin]

I don't understand why you would be hit by significant monthly fees just because you can't prepay.

You mean that you can't prepay when you think currency exchange would benefit you? Well, if you think you're in a currency exchange sweet spot, go ahead and exchange. Then just leave the money in your bank account for next month's bills.

What's that? Your bank won't let you hold a balance in another currency? That sounds like a problem with you bank, not you hosting service.

[Symbiote]

In what country is a bank account in another currency free, or available at no additional cost beyond the local currency account?

[nagvx]

While your point isn't invalid, having to contact my bank and work through the process of setting this up is another layer of hassle that I don't have to deal with on another, more flexible provider.