whys the conversion rate from US dollars to Canadian higher on Ebay then on conversion converters?

[pjcdn2005]

Many banks and credit card companies add a  service charge on to the sell or buy rate. I think that ebay adds 3%.

[femmefan1946]

Because the converter sites are giving the "mid-market rate" which is really only used for favourite customers-- like banks transferring millions of dollar or euros or yen.

The rate to compare is your local bank branch's "retail " rate.  And even there if you walk across the street you may get a better rate at a rival bank, or your credit union, or a private money exchange.