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The rate you see on tv is the median price.
Banks then grab their 3-4% off that, in order to make money.
Although not for credit cards, the best funds transfer service I have used is OzForex.
As at this morning :
Quote Details
Selling: AUD 10,000.00 Buying: USD 10,365.00 Rate: 1.0365
OR
Quote Details
Selling: AUD 25,000.00 Buying: USD 25,967.50 Rate: 1.0387
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