Is PayPal currency exchange rate better than Credit Card / Bank ?

Is better to use PayPal's exchange rate or payment card (bank) exchange rate when paying in foreign currency ? Which one is higher ?
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17 Jun 2022 at 07:48 PM
You will often pay less when your bank will make the currency conversion. But it depends on your bank's exchange rates and fees. You have to check the exchange rate and fees before you do the transaction.

From my experience, PayPal has offered me EUR/USD exchange rate around 0.99, but bank had a better exchange rate 1.04. The difference was approx. 5%.
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20 Jun 2022 at 11:42 AM
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