After listening to the last couple bank appears to me that some banks may actually charge a fee to purchase foreign currency in addition to any “spread”…Based on my personal experience as long as you are purchasing/selling a certain volume most banks do not charge a “FEE”. At least those I deal with…Therefore,  I  don’t think any of us will be charged a “Fee” at most banks as hopefully our volume will far exceed their requirements even if exchanging a relative minimal amount.  [Post 1 of 2….stay tuned]