[blacklion]

Another fresh example:

I have Visa card with Euro (I know, strange combination) issued by Serbian bank.

I'm in Armenia right now, and street rate for Euro is 390-394 DAM per Euro (no commission).

My last transaction with this card is 5300 AMD / (13.65 + 0.14) Euro = 386.86... (Don't ask why this bank shows one transaction as two, it is something like sum at block correction at charge?). I can not withdraw cash in ATM in Armenia from this card at all, transactions are simply cancelled, so I can not say, which rate it is for ATM. But in Serbia I've payed 0.5% for cash withdrawal.