What cheeses me off

[RooFlyer]

Should be free as it costs the greedy sods nothing.

So, really, anyone could set the service up then?

 

[Pushka]

Given that BPAY is owned by the 4 Aussie major banks, and Latitude 28 Degrees is a 3rd party not surprising there is a charge to pay via this method.

If you want to avoid surcharges best to pay directly to the card provider and not via a 3rd party.

yes, I set this up last month. I just wanted a credit card that wasn't an Amex and avoid the surcharge that gets inserted when used overseas, assuming it's even accepted. Used it in Bali for accommodation and the exchange rate was spot on.