On weekdays (Mon-Fri London time) the interbank exchange rate is charged on all transactions with exception to Thai Baht (THB) and Ukrainian Hryvnia (UAH) where there's a 1% markup on top of the interbank rate.
If you exchange currencies on weekdays (Mon-Fri London time) you will receive the interbank exchange rate without any markup on all currencies except for THB and UAH where there's a 1% markup. In addition, a 0.5% fee will apply to anything above S$5,000 per month for Standard users and S$15,000 per month for Premium users.
On weekends (Sat-Sun London time), the provided rates are fixed to protect against fluctuations. Additionally, there will be a 1% markup on all currencies except THB and UAH where there will be 2% markup.
We strongly recommend that you choose to pay in the local currency when abroad as some merchants will charge you in your base currency and apply their own foreign exchange fees to the transaction.