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Credit Card Foreign Exchange Rate
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vincentxiang
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Nov 17 2012, 11:28 AM
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Citi Clear CardTransaction Date: Nov 14, 2012 Amount charged in USD: 200 Amount billed in MYR: 625.32 Final exchange rate: 3.1266 Exchange rate estimator : http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jspEnter Bank Fee : 1% (as per post#1) Date Requested : Nov 14, 2012 Final exchange rate: 3.096660 The generated result as below 
[SIZE=14] The result is not match Does anyone know the reason? Could it be the bank fee not correct? This post has been edited by vincentxiang: Nov 17 2012, 11:31 AM
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vincentxiang
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Nov 17 2012, 04:05 PM
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QUOTE(alfee29 @ Nov 17 2012, 12:01 PM) You actually save about RM0.21. Here's the calculations: Based on Visa's exchange rate, the retail amount: USD200 x 3.096660 = RM619.332 Including the 1% bank fee: 1% of RM619.332 = RM6.19332 Total amount that should have been billed = RM619.332 + RM6.19332 = RM625.52532  The exchange rate 3.096660 is including the 1% bank fee. If you enter bank fee 0% to the exchange rate estimator (http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp), the exchange rate is 3.066 which is match the rate of 3.0966 when entering bank fee 1% Added on November 17, 2012, 4:08 pmQUOTE(alexwsk @ Nov 17 2012, 12:28 PM) The citibank online account only shows transaction date This post has been edited by vincentxiang: Nov 17 2012, 04:08 PM
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vincentxiang
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Dec 6 2013, 09:35 AM
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Maybank 2 Amex Transaction amount: USD$9.99 Posting amount: RM32.92 Transaction date: 29-Nov-2013 Posting date: 04-Dec-2013 Admin fee: 1% Effective rate: 3.295295
Transaction date: 29-Nov-2013 Exchange rate (Amex): 3.24404 Posting date: 04-Dec-2013 Exchange rate (Amex): 3.25252
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vincentxiang
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Dec 31 2013, 06:33 PM
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Maybank 2 Amex Transaction amount: USD$37.06 Posting amount: RM125.33 Transaction date: 28-Dec-2013 Posting date: 30-Dec-2013 Effective rate: 3.38181
Transaction date: 28-Dec-2013 Exchange rate (Amex): 3.29000 Posting date: 30-Dec-2013 Exchange rate (Amex): 3.29221
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vincentxiang
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Jun 23 2015, 06:31 PM
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| Name Of Credit Card | Maybank 2 Cards Amex | | Transaction Date | 16 June 2015 | | Posting Date | 18 June 2015 | | Amount charged in GBP | 15 | | Amount billed in MYR | 90.37 | | Bank rate | 0.16598 | | OANDA rate | 0.16971 | | fee | 2.25% |
| Name Of Credit Card | Maybank 2 Cards Mastercard | | Transaction Date | 17 June 2015 | | Posting Date | 19 June 2015 | | Amount charged in SGD | 5 | | Amount billed in MYR | 14.18 | | Bank rate | 0.352609 | | Mastercard rate | 0.357387 | | fee | 1.36% |
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vincentxiang
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Jul 3 2015, 05:55 AM
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| Name Of Credit Card | Maybank 2 Cards Mastercard | | Transaction Date | 27 June 2015 | | Posting Date | 30 June 2015 | | Amount charged in SGD | 5 | | Amount billed in MYR | 14.25 | | Bank rate | 0.350877 | | Mastercard rate | 0.356281 | | fee | 1.02% | This post has been edited by vincentxiang: Jul 3 2015, 05:57 AM
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vincentxiang
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Jul 11 2015, 09:19 AM
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| Name Of Credit Card | Maybank 2 Cards Amex | | Transaction Date | 26 June 2015 | | Posting Date | 27 June 2015 | | Amount charged in US$ | 1.95 | | Amount billed in MYR | 7.52 | | Bank rate | 0.25931 | | OANDA rate | 0.26469 | | fee | 2.07% |
| Name Of Credit Card | Maybank 2 Cards Mastercard | | Transaction Date | 3 Jul 2015 | | Posting Date | 6 Jul 2015 | | Amount charged in SGD | 6 | | Amount billed in MYR | 17.1 | | Bank rate | 0.350877 | | Mastercard rate | 0.354863 | | fee | 1.14% | This post has been edited by vincentxiang: Jul 11 2015, 09:19 AM
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vincentxiang
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Jul 31 2015, 08:53 PM
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| Name Of Credit Card | Maybank 2 Cards Amex | | Transaction Date | 25 July 2015 | | Posting Date | 26 July 2015 | | Amount charged in SGD | 108.6 | | Amount billed in MYR | 310.77 | | Bank rate | 0.34945 | | OANDA rate | 0.35969 | | fee | 2.93% |
| Name Of Credit Card | Maybank 2 Cards Amex | | Transaction Date | 22 July 2015 | | Posting Date | 23 July 2015 | | Amount charged in USD | 1.95 | | Amount billed in MYR | 7.62 | | Bank rate | 0.25591 | | OANDA rate | 0.26316 | | fee | 2.83% |
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vincentxiang
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Oct 24 2015, 05:07 AM
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| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 14 Oct 2015 | | Posting Date | 16 Oct 2015 | | Amount billed in MYR | 433.02 | | Amount charged in HKD | 792 | | Bank rate | 0.546742 | | Visa rate | 0.539982 | | fee | 1.25% |
| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 16 Oct 2015 | | Posting Date | 17 Oct 2015 | | Amount billed in MYR | 180.72 | | Amount charged in HKD | 330 | | Bank rate | 0.547636 | | Visa rate | 0.540886 | | fee | 1.25% |
| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 18 Oct 2015 | | Posting Date | 19 Oct 2015 | | Amount billed in MYR | 309.97 | | Amount charged in HKD | 566 | | Bank rate | 0.547650 | | Visa rate | 0.540886 | | fee | 1.25% |
| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 19 Oct 2015 | | Posting Date | 20 Oct 2015 | | Amount billed in MYR | 570.01 | | Amount charged in Macau MOP | 1062 | | Bank rate | 0.536733 | | Visa rate | 0.530108 | | fee | 1.25% |
| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 19 Oct 2015 | | Posting Date | 20 Oct 2015 | | Amount billed in MYR | 1738.2 | | Amount charged in HKD | 3147 | | Bank rate | 0.552336 | | Visa rate | 0.545518 | | fee | 1.25% |
| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 22 Oct 2015 | | Posting Date | 23 Oct 2015 | | Amount billed in MYR | 247.46 | | Amount charged in HKD | 440 | | Bank rate | 0.562409 | | Visa rate | 0.555459 | | fee | 1.25% | This post has been edited by vincentxiang: Oct 24 2015, 05:09 AM
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vincentxiang
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Nov 19 2015, 10:58 PM
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| Name Of Credit Card | Maybank 2 Platinum Card - Mastercard | | Transaction Date | 12 Nov 2015 | | Posting Date | 13 Nov 2015 | | Amount charged in USD | 25.88 | | Amount billed in MYR | 115.01 | | Mastercard rate | 0.228728 | | Bank rate | 0.225024 | | fee | 1.65% | This post has been edited by vincentxiang: Nov 19 2015, 10:59 PM
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vincentxiang
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Nov 22 2015, 12:18 PM
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| Name Of Credit Card | Public Islamic Bank Visa Platinum Credit Card-i | | Transaction Date | 06 Nov 2015 | | Posting Date | 08 Nov 2015 | | Amount billed in SGD | 50 | | Amount charged in MYR | 159.06 | | Bank rate | 0.314358 | | Visa rate | 0.325575 | | fee | 3.57% |
take note that transaction via Paypal. Guess Paypal may imposes some charge there. This post has been edited by vincentxiang: Nov 22 2015, 12:20 PM
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vincentxiang
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Dec 3 2015, 10:35 PM
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| Name Of Credit Card | Maybank 2 Platinum Card - Amex | | Transaction Date | 20 Nov 2015 | | Posting Date | 21 Nov 2015 | | Amount charged in USD | 8.98 | | Amount billed in MYR | 40.03 | | OANDA rate | 0.233133 | | Bank rate | 0.224332 | | fee | 3.92% |
noticed that those transaction via Paypal got higher fee This post has been edited by vincentxiang: Dec 3 2015, 10:37 PM
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vincentxiang
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Dec 8 2015, 12:02 AM
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| Name Of Credit Card | Maybank 2 Platinum Card - Amex | | Transaction Date | 5 Dec 2015 | | Posting Date | 6 Dec 2015 | | Amount charged in SGD | 20 | | Amount billed in MYR | 62.08 | | OANDA rate | 3.0038 | | Bank rate | 3.104 | | fee | 3.34% |
P.S.: The transaction via Paypal.
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vincentxiang
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Dec 19 2015, 08:12 PM
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| Name Of Credit Card | Maybank 2 Platinum Card - Mastercard | | Transaction Date | 14 Dec 2015 | | Posting Date | 15 Dec 2015 | | Amount charged in SGD | 128.11 | | Amount billed in MYR | 410.46 | | Mastercard rate | 0.327036 | | Bank rate | 0.312113 | | fee | 4.78% |
P/S: paypal transaction
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vincentxiang
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May 19 2016, 09:33 PM
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| Name Of Credit Card | AEON Big Gold Visa | | Posting Date | 13 May 2016 | | Amount charged in USD | 30.99 | | Amount billed in MYR | 126.53 | | Visa rate | 4.038596 | | Bank rate | 4.082930 | | fee | 1.09% |
| Name Of Credit Card | AEON Big Gold Visa | | Posting Date | 13 May 2016 | | Amount charged in USD | 10.53 | | Amount billed in MYR | 42.99 | | Visa rate | 4.038596 | | Bank rate | 4.082621 | | fee | 1.09% |
| Name Of Credit Card | AEON Big Gold Visa | | Posting Date | 13 May 2016 | | Amount charged in TWD | 1930 | | Amount billed in MYR | 241.39 | | Visa rate | 0.123956 | | Bank rate | 0.125073 | | fee | 0.9% |
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vincentxiang
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Jun 20 2016, 10:31 PM
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| Transaction Type | AEON BIG GOLD VISA CARD | | Transaction Date | 13/05/2016 | | Posting Date | 15/05/2016 | | Transaction amount | US$ 10.53 | | Amount charged | RM42.99 | | rate | 4.082621 | | visa rate | 4.042596 | | Difference | (4.082621 - 4.042596) / 4.042596 =1% |
| Transaction Type | AEON BIG GOLD VISA CARD | | Transaction Date | 13/05/2016 | | Posting Date | 15/05/2016 | | Transaction amount | US$ 30.99 | | Amount charged | RM126.53 | | rate | 4.082930 | | visa rate | 4.042596 | | Difference | (4.082930 - 4.042596) / 4.042596 =1% |
| Transaction Type | AEON BIG GOLD VISA CARD | | Transaction Date | 13/05/2016 | | Posting Date | 15/05/2016 | | Transaction amount | TWD 1930 | | Amount charged | RM241.39 | | rate | 0.125073 | | visa rate | 0.123835 | | Difference | (0.125073 - 0.123835) / 0.123835 =1% |
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vincentxiang
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Aug 17 2016, 10:17 PM
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| Transaction Type | CIMB Cash Rebate Platinum MasterCard | | Transaction Date | 30/07/2016 | | Posting Date | 2/8/2016 | | Transaction amount | US$ 10.53 | | Amount charged | RM 43.82 | | rate | 0.240301 | | mastercard rate | 0.246548 | | Difference | 2.53% |
| Transaction Type | AEON BIG GOLD VISA CARD | | Transaction Date | 20/07/2016 | | Posting Date | 24/07/2016 | | Transaction amount | 3000 Yen | | Amount charged | RM117.05 | | rate | 0.039017 | | visa rate | 0.038632 | | Difference | 1% |
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vincentxiang
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Aug 25 2016, 07:47 PM
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| Transaction Type | Aeon Watami | | Transaction Date | 22/08/2016 | | Posting Date | 24/08/2016 | | Transaction amount | US$ 20.76 | | Amount charged | RM 84.76 | | bank rate | 4.082852 | | visa rate | 4.049595 | | Difference | 0.82% |
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vincentxiang
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Sep 28 2016, 08:34 PM
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| Transaction Type | AEON BIG GOLD VISA CARD | | Transaction Date | 24/09/2016 | | Posting Date | 26/09/2016 | | Transaction amount | S$162.43 | | Amount charged | RM 501.86 | | rate | 3.089700 | | visa rate | 3.043896 | | Difference | 1.5% | This post has been edited by vincentxiang: Oct 1 2016, 05:44 PM
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