From my years on the happy news website I learned the official rate is not the people rate; use the 4% discount column. I used the black market once (house on the hill) and got above the official rate. No paper trail. LOL. If you can get 128, tell me where, please.
My thrust was to show how the rate varied from place to place. Scottia bank must be using their own 12 percent service fee column.
I convert my $ as needed or at one time. I deal with J exclusively while there.
If a restaurant menu prices are in USD, and I decide NOT to walk out, I ask "How much in J?" J is usually always better.
Little known item; If you change enough US at one time ($300 or more), you can ask the cambrio for a better rate. I have. Not a lot better, but it paid for the taxi.