I just bought an item from ebay costing 162.94 sterling. The ebay PayPal calculation conveniently translates into euro and tells me that 246.94 euro will be debited from my credit card (their exchange rate for today is 1 euro = 0.659843), however when I calculated the costs myself using the online currency calculator www.xe.com using todays rate (1 euro = 0.680116) it should have only cost 239.70 euro! Not sure why one exchange rate should be so much higher to the tune of costing me a fiver more???