Exchange rate includes a currency conversion fee* Cross border fees may apply.
* If your transaction requires a currency conversion, we will use a retail exchange rate. The retail exchange rate is our wholesale cost of foreign currency (determined by an outside financial institution) plus a currency conversion fee. This fee depends on the currency you are converting into. For details, refer to the "Fees" > "Additional Fees" > "Currency Conversion Fee" section of the User Agreement.
There are also cross-border fees included in the transaction fee for cross-border payments. For more details, refer to the "Fees" section of the User Agreement. Within that section, review the topic "Cross-border Personal Transactions".