The exchange rates we use are the buy rates for the listed currencies. Most websites, such as XE Trade, display "mid-market" rates, which are derived from the mid-point between the "buy" and "sell" rates from global currency markets. Online services list the mid-market rate because it indicates the value of a currency that is not weighted toward buying or selling. "Buy" and "sell" rates include overheads and profit margins that are independently set by foreign exchange providers; their rates can vary a lot and will differ from the mid-market rate. Due to the volume of our currency exchanges, we receive a very favorable buy rate, which benefits you, our travelers, as the rates you would pay if buying currency on your own would often be 3-5 cents higher than what we receive and charge.
