I recently paid someone in China using a SB Mastercard via Paypal. For the first time in a series of international payments with the card I got charged an International Transfer Fee of  R 484.70. The currency exchange profit from ZAR to USD was already in for MC/SB. So there is no reason for charging for non-existing costs for SB. The item on the statement said !INTL. Trans Fee. Can SB please explain this and stop charging this fee and refund the one paid?