[usr1106]

Same here. I often write down the converted sum and then reject conversion. Later I compare my notes with the the conversion done my bank issue the credit card.

It was always so that my bank was cheaper, until very recently when it would have been to opposite way for the first time. Both my banks have recently raised their conversion fees, I think they are now 2.3% - 2.5%.

That still sounds better than the exorbitant fees some dodgy businesses are charging. I don't know whether it was a rare exception that the bank was more expensive or whether it becomes more common.