Without a doubt, go Without Conversion. I was in Philipsburg last year and the ATMs at the bank branches all gave me the option. I chose to let my hom...

Without a doubt, go Without Conversion. I was just in Saint Barth and the ATM near the airport offered to process my transaction in US dollars. I knew...

This is a cool one because the whole with or without conversion question doesn't apply here. The Northern Mariana Islands use the US dollar. So when y...

Without a doubt, go Without Conversion. I was there a few months back and the ATM at the Bank of Montserrat offered to process my transaction in US do...

In Lesotho, the ‘With Conversion’ option may seem easier because it shows your home currency, but it’s usually a bad deal. Those ATMs, especially at C...

In Iraq’s main cities like Erbil and Basra, picking ‘Without Conversion’ is the better option at ATMs. The ATM’s conversion rates can be significantly...

I learned the hard way in Haiti at ATMs like those near Petionville that accepting currency conversion on the spot adds a lot of hidden costs-often ar...

For Equatorial Guinea, going for the local currency conversion on the ATM screen is often more expensive than letting your bank convert it. Selecting ...

I was confused about this too, but in the Central African Republic, declining conversion is the better call. Those 8% or more markups shown in ‘With C...