We used our egg visa card for most of our purchases. We were told by egg that the rate would be 2.5% below the www.xe.com rate which is the business/banking rate. We were there between 10/12/06 and 27/12/06 and the rate seemed to vary for nearly each transaction, meaning that the rate varied several times a day. Our lowest rate was about 1.89 and the highest was 2.02 on our statement. Also, there is no set commission/fee to pay.