visa debit charge

[scorpio11]

just wondered, i used my ulster visa debit up north, and was wondering what these charges are.
£53.50 purchase, rate 0.8678 (which would be €61.65 )
charge 0.62,ertf 0.62, total € 62.89, so does that mean i am charged an extra € 1.24, for this transaction ?
would i be better off so, taking cash from machine, or would i still be charged extra.

 

[Willy Fogg]

Simple answer is yes, you're charged more for any transaction that isn't in Euro. Exchange rate fees and charges.

Taking cash from an ATM also costs more: however, Ulster Bank customers can use Ulster Bank, Royal Bank of Scotland and Natwest ATM's to withdraw cash in the UK without charge.