Quote:
Originally Posted by Black Page
When you do several withdrawals in a day, it is possible, but not likely, that the exchange rates are different.
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Btw it may be also good to note that bayfront mall has a UOB Branch and ATM and overseas withdraws are free subject to the bank's conversion rates for those who has a UOB account. And yes, I used Instarem during my stay which cuts off the 2% credit card charge and the conversion varience from XE was 1 to 2% from spot rate, likely due to currency fluctuations.