@joelgoh
The regardless of what the calculator says, it is an estimate. See the note under the exchange rates in the first picture? “This rate is an estimate based on the current rate and includes PayPal’s currency conversion spread.”
The effective rate will be determined at the time of transaction. To use your card’s rate instead of PayPal’s rate, you’d want to pay in the currency you are charged (USD), click “See currency options” link and select USD.
If your card issuer converts the currency, your card issuer will determine the currency conversion rate and the fees they may charge. You won’t know what the rate is until after you’ve paid, though. Generally, most card’s/banks give a bit of an advantage. You can check your card agreement terms on foreign transactions.
Kudos & Solved are greatly appreciated. 🙂
