While the fee makes the value of a single transfer of money almost unnoticeably less (just 5 pennies off for a tourist converting 1,000 U.S. dollars to Euros), it makes the shuttling of money thousands of times between different bank accounts or currencies much costlier.
Habang ang bayad gumagawa ang halaga ng isang solong transfer ng pera halos unnoticeably mas mababa (5 lamang pennies off para sa isang turista-convert ng $ 1000 sa Euros), nakakagawa ito ng shuttling ng pera sa libu-libong beses sa pagitan ng iba't ibang bank account o pera magkano costlier.