When paying for purchases in a currency other than the card currency, the vendor will charge you a fee of 2%. This fee will be included in the exchange rate by adding to the standard exchange rate of Visa payment system, at which the currencies will be converted.

When you make transactions in currencies other than your card's primary currency, it takes these transactions 2-3 days to settle. This is how Visa system works. The whole process has 2 primary stages, pre-authorization (funds are blocked on the card), and final settlement (the amount is charged from the card). When the final settlement happens, the currency exchange rate for the day of settlement is used. It can technically be different from the exchange rate used for initial pre-authorization. Depending on how the exchange rate behaves during these 2-3 days, you may notice that the final charge is slightly more or less than the pre-authorization amount.