When I used my Chase debit card at the NatWest ATM near St. Peter Port harbor, it asked if I wanted to be charged in USD or GBP. The trick here is tha...

At a Halyk Bank ATM in Almaty, I saw the “accept conversion” screen. It offered to charge me in USD with a bold “guaranteed rate” message. Looked temp...

In Nairobi, I used a KCB Bank ATM in Westlands. It asked me to accept conversion into USD. The green “accept” button felt safer, but the small text sa...

At a Swedbank ATM in Vilnius Old Town, I saw the “charge in USD or EUR” screen. USD seemed logical since that’s my card currency. But then I noticed t...

At Maputo International Airport, the Millennium BIM ATM gave me the conversion option. Accept showed an USD total with a reassuring check mark, but th...

In Yangon, I used a KBZ Bank ATM near Sule Pagoda. It flashed “accept conversion” in bright green and showed a USD amount that looked reassuring. But ...

In Muscat, I used a Bank Muscat ATM. It asked me to accept conversion into USD with a so-called “guaranteed rate.” The fine print said 8% markup. That...

In Asunción, I used a Banco Itaú ATM. Same “accept conversion” screen. Accept looked like the safe choice, but in reality it’s DCC. That 8% markup is ...

In Vaitape, the Banque Socredo ATM asked me “accept conversion” into USD. That’s Dynamic Currency Conversion. If you hit accept, the machine does the ...