When I used my US card at Malawi ATMs, I always hit ‘Decline’ on that currency conversion popup. The 8% markup they show is a total ripoff called Dyna...

Gabon ATMs have the same dynamic conversion trick. Always hit ‘Decline’ so your card network does the currency switch-that 8% fee will drain your mone...

Dominica’s ATMs also gave me that Accept or Decline conversion screen, and I declined every time. The 8% markup is too much, so better to let your ban...

I faced the same ‘Accept or Decline’ deal in Djibouti, and I always decline. The 8% markup is a big no-no. Card networks have better rates. I used Ban...

In Congo, I always go for ‘Decline Conversion.’ The ATM’s rate is nearly always worse, and that 8% fee is a rip-off. Your US bank or card provider usu...

I personally always hit ‘Decline’ on those ATM prompts in Benin. Accepting means the ATM does the currency conversion, usually at a bad rate with hidd...

Scapia card is okay but not as popular as Niyo or FI. I tried it once, and while the forex charges were low, I found their ATM withdrawal limits a bit...

Honestly, stuff is a little expensive here. I spent loads on transport since buses don’t run much, so had to use taxis or rent scooters. Meals at smal...

If you are on a tighter budget in Tonga, use the public buses for about TOP$1 per trip and eat at roadside stalls serving mains for about TOP$10-$15. ...