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I believe the exchange rate is set by the bank whose ATM you draw the money from, you sshould look at their "we sell" exchange rate and not the "official" exchange rate which gets published in the paper every day. In my case the difference is about 20c, maning if the official exchange rate is 7.50 for the dollar my bank will most likely be buying dollars for 7.30 and selling them for 7.70.
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