Currency conversion is not only incredibly fraught with traps, but believe me, even for very intelligent and research-savvy individuals, if you're not a professional in this area, you'll struggle to see all the pitfalls and still fall for them. I don't consider myself stupid, but I spent several days seriously researching it, and ultimately, after being exploited by several new tricks, I gave up. I consider those losses as a part of travel expenses and avoid letting it amplify my losses, that ruining my travel. PayPal is even more blatant fraud. You never know how much money is left after a transfer or withdrawal until you're surprised, and then they'll say they mentioned it in some tens of thousands of words of agreement that they would deduct this amount.