Did I get a really crappy rate or am I doing the calculations wrong? Bought something online from a British seller.

Maybankard 2 Amex
Transaction Date: 18-Jan-2015
Posting Date: 19-Jan-2015
Transaction amount: 7.50 GBP
Amount charged: 41.85 MYR
Effective rate: 7.50 GBP => 11.3662 USD => 40.4637 MYR
Difference: (41.85 - 40.4637) / 40.4637 = 3.43%

Transaction Date: 18-Jan-2015
Posting Date: 19-Jan-2015
Transaction amount: 5.00 GBP
Amount charged: 27.88 MYR
Effective rate: 7.57745 USD = 26.9757 MYR
Difference: 3.35%

Uh guys, I have a stupid question. When using Oanda's currency converter, do I put the currency that I was charged in on the left hand side or right hand side?

Have a bunch of transactions that I've yet to calculate the fees for. Doing them all in one go.

Maybankard 2 Amex
Posting Date: 02-Feb-2015
Transaction amount: 151.90 GBP
Amount charged: 857.78 MYR
Effective rate: 151.90 GBP => 228.989 USD => 832.535 MYR
Difference: (857.78 - 832.535) / 832.535 = 3.03%

Posting Date: 10-Feb-2015
Transaction amount: 631,455.00 IDR
Amount charged: 182.35 MYR
Effective rate: 631,455.00 IDR => 50.5164 USD => 179.878 MYR
Difference: (182.35 - 179.878) / 179.878 = 1.37%

Posting Date: 17-Feb-2015
Transaction amount: 44.88 USD
Amount charged: 164.98 MYR
Effective rate: 44.88 USD => 160.818 MYR
Difference: (164.98 - 160.818) / 160.818 = 2.59%

Posting Date: 20-Feb-2015
Transaction amount: 24.99 GBP
Amount charged: 143.52 MYR
Effective rate: 24.99 GBP => 38.5848 USD => 140.468 MYR
Difference: (143.52 - 140.468) / 140.468 = 2.17%

Posting Date: 20-Feb-2015
Transaction amount: 28.00 GBP
Amount charged: 160.83 MYR
Effective rate: 28.00 GBP => 43.2323 USD => 157.387 MYR
Difference: (160.83 - 157.387) / 157.387 = 2.19%

Posting Date: 21-Mar-2015
Transaction amount: 89.00 EUR
Amount charged: 363.28 MYR
Effective rate: 89.00 EUR => 95.4454 USD => 355.583 MYR
Difference: (363.28 - 355.583) / 355.583 = 2.16%

Posting Date: 31-Mar-2015
Transaction amount: 5.00 USD
Amount charged: 18.90 MYR
Effective rate: 5.00 USD => 18.5692 MYR
Difference: (18.90 - 18.5692) / 18.5692 = 1.78%

Posting Date: 06-Apr-2015
Transaction amount: 23.00 GBP
Amount charged: 128.90 MYR
Effective rate: 23.00 GBP => 34.3351 USD => 125.701 MYR
Difference: (128.90 - 125.701) / 125.701 = 2.54%