QUOTE(systaksis @ Sep 21 2017, 12:20 AM)
At 1st I tot MBB master /visa is the lowest bank fee I mean admin fee and forex rate charger , but look like maybe not...
I which will be lowest now...
comparing cash when you go travel I recall some time card will give you lower rate cause cc is base on the day where you posted rate.... and cash usually more early day you exchange at money change usually before your travel date.
But if goble currency let put to fix.. cash should be always lower?
Or card currency give better rate?
There is no exact answer for this. Forex fluctuates everyday, so it can be either side. That is why people looking for cards that has lower charges, for instance ambank WMC, just 1% admin fee and still earn 5x points.
But recently seems like Citibank and some other banks is looking into some different way to reduce the charges.
QUOTE(hling510 @ Sep 22 2017, 09:55 AM)
It is sure that no bank charges or forex charges if pay by HLB Essential using PayPal follow my few times experience. (never call bank to verify)
Transaction Type: HLB Essential
Transaction Date: 20/9/2017
Posting Date: 21/9/2017
Transaction amount: USD177.30
Amount charged: RM743.70
VISA rate: 4.194581
bank rate: 4.19458545
Difference: 0%
This is interesting....