Is it the VISA currency calculator link below is what everyone using when calculate the exchange rate in this thread? The TS link on page 1 seem not working.

https://travel.visa.com/apcemea/my/en/trave...rency-converter

Between, the rate of visa seem higher even without bank charge. For example, the the ringgit have strengthen against SGD (around SGD1=RM3) but the visa is showing SGD1=3.05xxx/3.06xxx 

Yeah.. I asked before. But different bank has different policy. The issues is the "admin fees", which is not clearly stated by most of the banks. Let's take an example from Alliance Bank, it's stated that there is a 1% foreign exchange conversion spread. However, in reality, they are charging 2% (by claiming 1% charged by the bank & another 1% charged by master/visa card network). For Public Bank, on the other hand, they stated clearly that the exchange will include foreign exchange spread of 1.25% (and yes, they are charging exactly 1.25%, with no other hidden administration fee unlike Alliance Bank). There are certain banks such as Maybank, which I don't prefer to use their card, because they are using their own internal rates instead of the Master/Visa rates (from my past experiences, not sure if they have changed). It's only worth to use if they give cashback.