Yes it should apply whenever you make a payment in a foreign currency. Example:



If you use paypal's conversion, they will deduct RM293 from ur card (see the red line). But using your own bank's conversion rate, it may be lower (I made payment of same amount few days ago and my bank (maybank) charged RM283 or so).

To change this, click on the 'Conversion Options' in red circle there, and choose to be billed in seller's currency (which means your bank will do the conversion). (Read the link that I posted before).

Hope it helps.

Osem. Thanks so much, Petom!!