Exchange rates are one of the primary concerns for users when making cross-border transactions. Roogoo Card uses real-time bank exchange rates for settlement, which are very close to Google's quoted rates (±0.2-0.3%). The exchange rate is clearly displayed in the transaction details—fully transparent with no hidden fees.
For small-amount transactions, some exchange rate display discrepancies due to calculation precision are normal. Since the bank's minimum settlement amount with merchants is 0.01 USD, small payments may show rate deviations due to rounding precision.
Example: If the CNY to USD exchange rate is 0.1412, the equivalent USD to CNY rate is 7.0821 (the rate displayed on your statement). If you pay 29.69 CNY, the actual calculation is: 29.69 × 0.1412 = 4.192228 USD. The bank rounds to 2 decimal places, so the actual settlement amount is 4.20 USD.