Re: How do you get a menu or breakdown of all the actual charges?
Here is an example:
€100 converted into £ on 15th June 2018 using the following exchange rates:
Bank of England - £87.39
Mastercard - £87.55
Visa - £88.22
Your bank will take either the Mastercard or Visa rate depending on what your card is, and they might add additional charges on top of that. 3% margin + a non-sterling transaction fee + if relevant a cash withdrawal fee is quite common
Visa are taking 83p (Mastercard take 16p). Your bank may well take another £5 or so, but that money does not go to Visa.