Meanwhile I pay ~6.5% for every transaction using PayPal because of their clever combination of first charging for cc (3.5%-3.9% for international transactions) and then another 3% mandatory currency conversion fee because they don't allow withdrawing USD to USD accounts not in US (so living in Europe I don't have any options other than to convert USD to my currency on their terms).

Can't wait for some competition to come to Poland. (for the record market price for currency conversion is way below 0.5%).