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I don't think any banks and / or financial institutions give you the same currency exchange rates as you will find on "forex" sites like Oanda / xe etc
Most banks charge about 2-3% in fees, they don't show this they just lower the exchange rate. It also varies depending on the account and bank type. Finally it looks like you are charging GBP to a USD card, in this case you need to remove from your calculation the "foreign currency exchange fee" that Visa and / or your bank automatically add to your transactions
The method of charging could effect the final payment to them as well as the unstable currency rates can have a big effect since 2-3% up / down within a weeks period of time is not that unusual these days.
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