Transaction Type: Maybank2 Amex
Transaction Date: 20/8/2017
Posting Date: 21/8/2017
Transaction amount: SGD282
Amount charged: RM910.86
Bank rate: 3.23
Oanda rate: 3.1511
Difference: 2.5%

Correct me if my calculation wrong

This post has been edited by hling510: Aug 22 2017, 01:53 PM

Transaction Type: HLB Essential
Transaction Date: 25/8/2017
Posting Date: 26/8/2017
Transaction amount: PHP3729
Amount charged: RM319.44
Bank rate: 0.08566372
Visa rate: 0.083985
Difference: 2%

This post has been edited by hling510: Aug 27 2017, 10:03 AM

Recently I found that there is no bank charges or forex charges if pay by HLB Essential using PayPal??

Transaction Type: HLB Essential
Transaction Date: 1/9/2017
Posting Date: 2/9/2017
Transaction amount: THB1760
Amount charged: RM227.17
VISA rate 0.129074
bank rate: 0.12907386
Difference: 0%

Transaction Type: HLB Essential
Transaction Date: 9/9/2017
Posting Date: 10/9/2017
Transaction amount: PHP2050
Amount charged: RM169.71
VISA rate 0.082784
bank rate: 0.08278531
Difference: 0%

Not using PayPal
Transaction Type: HLB Essential
Transaction Date: 8/9/2017
Posting Date: 10/9/2017
Transaction amount: TWD979
Amount charged: RM139.93
VISA rate 0.140133
bank rate: 0.14293156
Difference: 2%

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 post has been edited by hling510: Sep 22 2017, 11:42 PM