Moneybookers-how to work out exchange rates

kotka4

Can someone help me please? I cannot understand how the 1.3% spread works:
Here is a quote from moneybookers:

What exchange rates do you apply if I send money in another currency or to an account in another currency?
For transactions involving a currency conversion, we use the daily reference rates as published by the European Central Bank. However, we apply a spread of 0.95% in either direction for transactions involving only one of the three: EUR, USD or GBP. For transactions involving any other currency, we apply a spread of 1.3%.

So if 1EUR = 0.6698 GBP today, what would be the actual rate of exchange?
Further more I actually need to send the money in BGN currency:
1EUR = 1.9558 BGN, so I imagine all conversions are done via the euro? I am trying to work out how many BGNs will my relative receive for 1000GBP for example?

Please help me to work out what the % spread on either side means? Thanks