Should I perform my currency exchange using MCA or Saxo?

It would depend on the ultimate use case of the foreign currency, many atimes the misc fees would outweigh the savings in exchange rate spread. misc fees include TT fee, cheque book and sometimes if you need open a new foreign currency current account to hold your foreign currencies then theres consideration of the minimum balance in this new account and whats the opportunity costs or account maintenance costs. Choose the one with the greatest ease of use in your case.