Why do you guy use worse exchange rate in your wallet than other wallets and other than what your site shows?

For instance I sent 197$ worth of btc from my blockchain wallet and in my ecoin account it is only worth 191$ and if I try to load the card it's worth something around 189$. Live rate at e-coin.io shows it's worth 197$ now. So basicaly I am losing 4-5% of my money when loading the card.

Is this your fee or?