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How to Sign Up for Online Banking with Bank of Montreal (Step-by-Step Guide)? - top.insurance-advisor.info RegisterThe 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. However, the card's network may markup the exchange rate by a small amount. Visa and Mastercard exchange rate markups. In addition to the. rate charged to us by Mastercard International on the date the transaction is posted to Card balance refund processing fees: By cheque. $ By.