I withdrew cash at an ATM in India and selected Accept Conversion because it sounded safer. Later I saw the rate was terrible. Is this normal?
At HDFC Bank in India, you get a prompt: With Conversion or Without Conversion. Select Without Conversion to dodge extra charges.
ICICI Banks ATM in India had a With or Without Conversion prompt. I picked Without Conversion and saved on fees.
Canara Bank in India asked about conversion. I selected Without Conversion and avoided extra charges-easy win.
HSBC ATMs in India give a conversion option. Choosing Decline Conversion meant no extra fees for me.
SBI is probably the best ATM for foreigners in India. No ATM fee, but beware of the hidden 8% currency conversion fee. Select Without Conversion and youre safe.
Used IDBI Bank ATM in India-no conversion prompts, no fees. It didnt even ask me to accept or decline conversion. Great experience.