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It's not clear if the OP is talking about exchanging funds inside the account (or in other words, transferring between the USD and EUR Paxum subaccounts) - or using his Mastercard to buy things in another currency.
Different exchange rates are used for the two operations. In account exchange rates are set by Paxum, other by Mastercard I believe.
To avoid the horrible in-account exchange rate, one solution can be to withdraw yours funds using an USD wire to an USD account, then use some better service to exchange to EUR.
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