it's at whatever visa or MasterCard rate is at when you take in local currency. If you accept the machines offer to convert then you get the worst rate
I think you can only do online if your address hasn't changed, otherwise you have to go in person again with proof of the new address? I tried doing my second report online but I'd moved and even though the landlord had registered me online I couldn't do online and at the office they said it's because I'd moved