Binance Card unexplainable conversion and conversion rate

Hey all,

I cannot understand what is going on with my transactions when I spend via a Binance card. My card's native currency is EUR cuz I'm in Europe.

I do purchases that are in USD, and I thought if I convert some EURs into BUSD and make that preferred currency to pay, it will directly consume from BUSD.

But what actually happened was the USD price internally converted in EUR then it consumed from BUSD and an above optimal rate is applied.

Since Etoro's conversion rates are higher as well, I requested as USD deposit.

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You can see it here.

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So to visualize the flow:

1160 USD deposit requested from Binance Card by Etoro

1001.55 EUR received by Binance(there is an internal conversion applied here by Binance with optimal rate)
Then 1001.55 EUR converted into 1160 BUSD + 13.45 EUR(above optimal rate)

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Isn't this ridiculous? I mean I just did this to prevent any automatic conversions, which I actually messed up by doing it. But how this is normal expected behavior?