If your bank or card operates in a currency different from your invoice, a conversion happens somewhere in the payment process.
Who Handles the Conversion
Typically your card issuer or bank converts the charge at the time of payment, applying their own exchange rate and, sometimes, a foreign transaction fee.
What Appears on Your Invoice vs Your Statement
Your CyberNet invoice reflects the billed currency, while your bank statement shows the converted amount in your account's actual currency — these can differ slightly due to exchange rate timing.
Reducing Conversion Costs
A card that doesn't charge foreign transaction fees, or a multi-currency account, can reduce the cost of these conversions if they happen regularly.
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