In Gaborone and Maun, Barclays/Absa and Stanbic ATMs always ask this. With Conversion = ATM locks your withdrawal to USD/GBP/EUR at a poor rate. Witho...

ATMs from Priorbank and Belarusbank in Minsk show “With conversion / Without conversion.” That’s DCC. If you press With, the ATM converts BYN to your ...

At CIBC FirstCaribbean ATMs in Bridgetown, “With conversion” means the ATM converts BBD → USD with its own inflated rate. “Without conversion” means y...

In the BVI, ATMs like Banco Popular in Road Town will ask USD or GBP. Always select USD since that’s the local currency. If you pick GBP, the ATM does...

At Caixa Económica ATMs in Praia, the “Accept conversion” option comes with a hefty markup. It looks safer, but you’re paying 7-9% more. The correct c...

At ANZ ATMs in Avarua, you’ll get that “Accept conversion” screen. Always hit Decline. Accepting means you get charged in USD with a hidden markup of ...

At a Nordea ATM in Helsinki Central Station, the screen offered USD or EUR. Always pick EUR. If you choose USD, you’re letting the ATM set a bad conve...

I used my US card at a TBC Bank ATM on Rustaveli Avenue in Tbilisi. It offered to convert straight to USD at some “guaranteed rate” but with an 8% mar...

At Banrural ATMs in Antigua, you’ll see the “Accept conversion” option pop up, often with a crazy 7-9% markup. Always hit Decline and take the withdra...