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Harry's right. It's a standard bank charge for international exchange. My bank labels it an "INTERNATIONAL PURCHASE TRANSACTION FEE."
We vacationed in Victoria last summer and every time we used a debt card the same fee turned up on our bank statement. Canadian merchants will turn American Sawbucks into Loonies and Twonies for you at the cash register but they add an extra 2% to 5% above that day's currency exchange rate to cover their cost to change the currencies. It's cheaper to use the bank card and let the bank do it directly like Kobo does.
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