Happened to me at a Caixa ATM in Espargos. Screen popped up with “Do you accept our guaranteed rate?” which sounded good, but when I looked closely it...

At an ANZ machine outside Rarotonga Airport, I hit Decline, got NZD, and my Capital One account billed me fairly. Later at my hostel (Backpackers Inte...

Happened to me at a S-Bank ATM inside a Prisma supermarket in Espoo. I laughed when I saw the “great guaranteed rate” - it was way worse than what Goo...

At the TBC ATM near Freedom Square, I nearly pressed Accept because the USD option looked reassuring. My hostel roommate said “Don’t - they charge ext...

Happened to me too in St. Peter Port at a HSBC ATM outside the bus station. I was half-asleep and nearly pressed USD, but the tiny text showed some “e...

At Almaty airport, Eurasian Bank ATMs hit me with the same accept/decline choice. I chose decline, billed in KZT, and Wise gave me the proper rate. An...

Vilnius airport ATMs-both Swedbank and SEB-do this same trick. I almost pressed USD thinking it would be simpler for my US account. Luckily, I noticed...

In Vilankulo, I used a Millennium BIM machine by the main market. The conversion screen was so confusing, with USD shown larger than MZN. Out of curio...

At Mandalay airport, the KBZ Bank ATM pushed a conversion option that almost fooled me. Big bold text “lock in rate now,” tiny text “markup applies.” ...