Ah I see. Fair enough. Not sure if this would change what you're doing (and I'm not sure if you're already across this), but from my experience 28 degrees mastercard card is very good with exchange rates (using my example above, I got 92.something when I pre-ordered Tracks through Paypal using the card, no fee involved from either company), in case there's something you want now and want a better exchange rate/save your cash reserves
