Thanks, so just to confirm,

BTC -> Mobi Wallet BTC = no fee

Mobi Wallet BTC -> Mobi Wallet USD = -0.7% under bitpay approx

Mobi Wallet USD -> Mobi Visa Card = No loading fee ??

Edit : confirmed no additional fees, and currently +0.44% above the bitpay exchange rate
https://www.reddit.com/r/Bitcoin/comments/5lxdi2/bitcoin_just_reached_an_alltime_high_on_btccs_cny/dbzamp2/