In the retail currency exchange market, different buying and selling rates will be quoted by money dealers. Most trades are to or from the local currency. The buying rate is the rate at which money dealers will buy foreign currency, and the selling rate is the rate at which they will sell that currency.The selling rate is the exchange rate which sellers within the MARKET are willing to SELL at.We go bank and ask for the currency that we want to buy for paying back to the payable, then bank offer us the selling rate for selling.That the reason we use the selling rate for adjustment.