[malfist]

Wait, why does your debit card involve forex fees and spreads?

[pjc50]

Somebody's got to do the currency conversion. If you let the merchant do it, it's usually even worse.

(Implicit is the OP buying a bunch of stuff in a currency which is not the one they earn it; probably only one of those is dollars)

[neonstatic]

With Wise it does not, but with my legacy bank it does, because the base currency is one of the non-euro European ones.