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Does the visa card have real-time exchange rates?

Visa cards do not have real-time exchange rates.

The visa card is the purchase price of foreign exchange at the time of repayment, that is, the bank's price fluctuates with the market conditions, and it is not a real-time exchange rate.

VISA, also translated as Visa, is a credit card brand operated and managed by Visa International Organization located in San Francisco, California, USA.