Our rates are a
lot more up-to-date than most other sources, and do not include "buy"
and "sell" margins. However, all others things being equal, different
sources can still quote different values. Why? There are many currency
markets all over the world, and like any other market -- precious
metals, for example -- specific rates will vary from market to market.
To continue this example, there are both New York and London metal
exchanges: their prices generally follow each other, but are very
seldom exactly the same. Which one is "right"? Both. Generally,
published rates are indicative only. There's no guarantee you'll be
able to get them locally, and they certainly won't include your
financial institution's buy-sell profit margins.