---
title: "[信银Motion]使用Paypal支付避坑DCC指南"
id: "154"
type: "post"
slug: "%e4%bf%a1%e9%93%b6motion%e4%bd%bf%e7%94%a8paypal%e6%94%af%e4%bb%98%e9%81%bf%e5%9d%91dcc%e6%8c%87%e5%8d%97"
published_at: "2024-11-04T05:44:51+00:00"
modified_at: "2024-11-15T03:12:13+00:00"
url: "https://www.maomomo.com/2024/154.html"
markdown_url: "https://www.maomomo.com/2024/154.md"
excerpt: "昨天查看Motion账单，发现一笔Paypal交易惨遭DCC(Dynamic currency conversion:动…"
taxonomy_category:
  - "银行"
  - "香港信用卡"
taxonomy_post_tag:
  - "MOTION"
  - "Paypal"
  - "信用卡"
  - "信银国际"
  - "港卡"
---

# [信银Motion]使用Paypal支付避坑DCC指南

昨天查看Motion账单，发现一笔Paypal交易惨遭DCC(Dynamic currency conversion:动态货币转换)。原本10.44USD+信银1.95%手续费大概是81.12HKD+1.58HKD。结果被Paypal阴间汇率换算成84.12HKD，再挨信银1%费用一刀0.84。

众所周知信银Motion网上签帐是有6%回赠的，即使扣除1.95%手续费还有4.05%。挨了Paypal阴间汇率后还有可能导致拿不到信银6%的回赠，被反薅羊毛滋味不好受。  
 ![https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-27-24_157716.png](https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-27-24_157716.png)

通常Paypal手动付款时可以选中使用Paypal汇率还是银行汇率，但是如果设定自动付款默认就是使用Paypal汇率，并且设置选项藏得很深，找了很久找到了还是整理一份教程分享一下让大家少踩坑吧。步骤如下：

![https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-49-25_291300.png](https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-49-25_291300.png)

![https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-49-27_396590.png](https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-49-27_396590.png)

![https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-49-29_927476.png](https://maomomo.com/wp-content/uploads/2024/11/maomomo.com-2024-11-04_14-49-29_927476.png)