0. If it's a recurring purchase, I like predictability. Unfortunately, the exchange rates change, and so what I get billed each month will change. This isn't a

0. If it's a recurring purchase, I like predictability. Unfortunately, the exchange rates change, and so what I get billed each month will change. This isn't a huge deal, but I like to glance at my statements, immediately ignore things I know about, and look for anomalies. 1. Despite traveling around Europe several times, I've never really known how the behind the scenes conversion played out: is my bank the best deal? does it take a cut? There's an uncertainty here that I don't like. 2. I found out several years ago that my (household name) bank was screwing me with the rates on my international purchases, and that there was a class action lawsuit about it. That lowered my trust significantly. Edit: I'm American.