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??????????????? ??8??? + ?????? - ?????? ???? - ??????? WHY? ????????? BMO ??These cards simply skip the % fee on any foreign currency purchases � everything gets converted to Canadian dollars without that little fee tacked on. For. The exchange rate for converting refunds of non-U.S. dollar transactions to U.S. dollars is the rate charged to us by MCI minus %. We make the conversion on. Benefits. Avoid lines and potentially paying higher currency exchange rates Mastercard is a registered trademark, and the circles design is a trademark.