MA give you 96.5 PED for $10 (IIRC).
Ukash give
MA $10.
What you give to Ukash to get thse $10 is between you and Ukash. If anyone is ripping you off it's Ukash.
It's a shame that the whole of Europe doesn't use the Euro as that would remove these sorts of problems (as long as
MA accepted Euros of course)