your posting date so fast .. which public bank debit card are you using?? if it is PB Visa Lifestyle Debit Card its suppose to be 1.0% on all overseas purchases

just notice ...
your transaction date and posting date is today why are you calculation the bank rate charge to you with last month rate??

just calculate and see how much difference then only decide you want to continue using this card for transaction or not. other people can see the rate also can help other people decide
the sms u get is in foreign currency right at that time no calculation make yet..
transaction date is the date that you make transaction
posting date is the date that transaction appear in your bank statement bank use the rate of that day to do calculation

Transaction Type	Aeon Watami
Transaction Date	19/07/2016
Posting Date	22/06/2016
Transaction amount	4192¥
Amount charged	RM161.8
rate	0.03859732824
visa rate @ 22/7	0.038556
Difference	(0.03859732824 - 0.038556) / 0.038556 =0.1%

Transaction Type	Aeon Watami
Transaction Date	14/08/2016
Posting Date	16/08/2016
Transaction amount	2000¥
Amount charged	RM80.89
rate	0.040445
visa rate @ 16/08	0.040051
Difference	(0.040445 - 0.040051) / 0.040051 =1%

Transaction Type	maybank2card amex
Transaction Date	11/08/2016
Posting Date	12/08/2016
Transaction amount	US$13.61
Amount charged	RM55.94
rate	4.11021
onda rate @ 16/08	54.4404
Difference	(55.94 - 54.4404) / 54.4404 =2.75%

54.4404



This post has been edited by kenjixx: Aug 16 2016, 11:05 AM

not really the latest but here's my last transaction

Transaction Type	Aeon Watami
Transaction Date	23/08/2016
Posting Date	26/08/2016
Transaction amount	10,791¥
Amount charged	RM441.01
rate	0.040868
visa rate @ 26/08	0.040383
Difference	(0.040868 - 0.040383) / 0.040383 =1.2%

Transaction Type	Aeon Watami
Transaction Date	28 Oct 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	NT765
Amount charged	RM103.22
rate	0.134928
visa rate @ 28/10	0.132134
Difference	(0.134928 - 0.132134) / 0.132134 =2.1%

one final transaction with watami card

Transaction Type	Aeon Gold
Transaction Date	10 Nov 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	6390yen
Amount charged	RM263.32
rate	0.041208138
visa rate @ 10/11	0.041456
Difference	(0.041208138 - 0.041456) / 0.041456 =0.6%

Transaction Type	Aeon Gold
Transaction Date	10 Nov 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	7572yen
Amount charged	RM312.02
rate	0.041207079
visa rate @ 10/11	0.041456
Difference	(0.041207079 - 0.041456) / 0.041456 =0.6%

This post has been edited by kenjixx: Nov 14 2016, 11:41 AM

Transaction Type	Aeon Gold
Transaction Date	20 Dec 2016
Posting Date	?? no longer stated in aeon website
Transaction amount	NT 774
Amount charged	RM109.89
rate	0.14197674418
visa rate @ 20/12	0.140123
visa rate @ 21/12	0.139877
Difference	(0.14197674418 - 0.140123) / 0.140123 =1.3%
Difference	(0.14197674418 - 0.139877) / 0.139877 =1.5%

from my own experience paypal will charge you with their own rate which is really high

my experience recently is buy something from ebay just last month
before this i think there is an option or something that let paypal just charge your credit card in USD or any non local curreny instead of using paypal predetermined rate
my last transaction straight get paypal rate without any choice or i got really bad eyesight during the selection screen and the charge rate is facepalm worthy
make 100% sure that it's gonna charge you in USD instead of RM not sure how... i rarely use paypal anyway will consider avoid using paypal