PayPal discussion thread, No PayPal fund sales allowed! 
Feb 10 2012, 08:37 PM
QUOTE(casphere @ Feb 8 2012, 10:07 AM)
MAKE IT SIMPLE - just use the exchange rates from the bank that issued your card and u wont regret. PayPal exchange rates suck, and its well-known by experienced PayPal users. Thats why I NEVER top up my PayPal funds, but just linked my CCs to it. Its already said enough so if noob users still meroyan about cut-throat exchange rates, its their fault for failing to learn.
eBay.com.my usually reflects an approx amount in RM when u buy items in USD. same thing with PayPal. As for the XE rates, those are NOT the actual rates - they are not accurate and its best u refer to what the banks issuing your cards are quoting. So dont have to get so worked up over the difference. Pokok ceritanya, let your issuing bank determine the exchange rates. Master n Visa CC add 0.5% for transaction charges, whereas for AMEX its 2.5%.
On ebay purchases that is true. Top up sucks, and CC link using bank rates is better.eBay.com.my usually reflects an approx amount in RM when u buy items in USD. same thing with PayPal. As for the XE rates, those are NOT the actual rates - they are not accurate and its best u refer to what the banks issuing your cards are quoting. So dont have to get so worked up over the difference. Pokok ceritanya, let your issuing bank determine the exchange rates. Master n Visa CC add 0.5% for transaction charges, whereas for AMEX its 2.5%.
In cases where you are sending money to people whom you trust overseas, via the gift method, then topup method is cheaper. Paying for gifts via your balance, you can save on the paypal fees.
But certainly one of the rare cases.
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