moneybooker、Paypal 的汇率转换是即时的吗

moneybooker不知道，但是paypal不是即时的，有2.5%的spread.原文见下：

If your transaction involves a currency conversion, it will be completed at a retail foreign exchange rate determined by PayPal, which is adjusted regularly based on market conditions. This exchange rate includes a 2,5% spread above the wholesale exchange rate at which PayPal obtains foreign currency, and the spread is retained by PayPal. The specific exchange rate that applies to your multiple currency transaction will be displayed at the time of the transaction.

举个例子吧，如果你应收到100欧元，即时汇率1USD=0.66667EUR，但是paypal不会给你这个rate,而是1USD=0.68333EUR,就是说本来你应收到150USD,但实际经过paypal到手的只有146.341.

简而言之，天下没有免费的午餐，paypal的这个2.5%是很贪婪的。

再补充一下，paypal就是把按照当天即时汇率所转换美元总额的大约97.5%给你。