I live in country A and work for a company located in country B. Every month, my salary (in USD) is paid via international transfer, and an exchange rate is applied for converting it to my local currency (not USD, obviously).
My issue is that the exchange rate is always less than I expect (I'm checking the exchange rate using Google mainly, this link shows its data providers). For instance, supposing that the rate that day was
1.00, the transfer rate described in my bank statement would be only
I'd like to know, who determines the exhange rate? Is it the sender bank, the receiver bank, someone else? Is there anything I can do to get a better rate, like changing to another bank?