HOW SHOULD YOU PAY FOR YOUR OVERSEAS ONLINE PURCHASES? When you are making purchases on an overseas website, you should be paying using a multi-currencies debit card. If you use a credit card, you are likely to pay around 5% more than the checked out prices. Before the exchange rate differences kicked in, we are already paying admin fees to the bank, at about 2-3% of our purchased value. Exchange rate difference is about 2%. So the amount we paid in total for our online purchases is about 105% o