I spoke to my bank and apparently upwork was trying to charge me $856 for a $600 project and the balance wasnt in the account. Can i please be told why i am being charged significantly more than needed?
Please remember that prices on Upwork are always in U.S. Dollars (USD). Only the billing to your card will be converted to your local currency which is exactly what happened. So, the amount is showing higher as it's in your local currency. To change your preferred currency and to learn more about it, you can check this help article.
You may also want to know that clients are charged a 3% payment processing and administration fee on all payments. For more information, you can refer to this article.