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<p>[QUOTE=&quot;Co1ns, post: 2756552, member: 87765&quot;]Paypal and your bank never charge the spot FX rate, hence the discrepancy. I find Paypal more reliable as you only get hit with transparent paypal fee + spot premium, rather than international transaction fee + foreign currency fee from your bank and spot FX premium from Visa / Mastercard. Some banks may be better in other countries, but Australia&#039;s banks are the most profitable in the world!</p><p><br /></p><p>You can log into paypal and check the exchange rate they are offering that day, for AUDUSD it seems to be spot at fix time +/- 300 basis points.[/QUOTE]</p><p><br /></p>

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