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g33k_girl t1_j5lgv00 wrote

The exception to this is when the fees to use the card are more than accepting the crap rates to use home currency.

An example my card used to charge A$5 + 5% currency conversion fees where the ripoff machine only charged about 3-4% and no fee on top.

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theultimateusername t1_j5mj83o wrote

What card is this that charges $5 + 5% in foreign currencies. I would change my bank ASAP

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g33k_girl t1_j5nhgn8 wrote

Only the savings account did that and was only for foreign ATM withdrawals, we almost never used it. The credit card is excellent and has no forex charges and uses the Mastercard spot rate.

Then about three months ago they removed the charges on the savings account and now only charge the spot rate.

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