In Sohar, at a NBO ATM, same deal. The ATM wanted me to accept conversion to USD. I declined, and my Wise card billed me correctly in OMR. Accept woul...

In Ciudad del Este, a Sudameris ATM asked the same. Decline is always the correct choice. Accept means the ATM sets its own terrible exchange rate. If...

At the airport ATM, same story. Accept conversion = ATM’s rate in USD, much higher. Decline = charged in local francs, your bank handles it fairly. I ...

At Sofia Airport, the ATM from First Investment Bank gave me the same screen. “Charge in USD?” sounded tempting with my US card, but it’s a trap. I ch...

At an Afriland First Bank machine in Douala, it highlighted “accept conversion” in green. I almost pressed it. But I declined, and the withdrawal went...

At Pudong Airport in Shanghai, a China Construction Bank ATM asked the same thing. If you accept conversion, you’re basically donating money to the AT...

At Hurghada airport, the Banque du Caire ATM gave me the conversion choice. The “accept” option was highlighted in green, so I nearly pressed it. Luck...

Near Vágar Airport, the machine gave me a choice: charge in USD or EUR. Looked harmless but it’s DCC. You’ll always lose if you let the ATM convert. W...

In Crete, I used a National Bank of Greece ATM near Heraklion port. It asked me to pick between USD and EUR. I almost hit USD but remembered advice fr...