That’s dynamic currency conversion. ATM offers convert to USD for you, but the rate is terrible - usually 7-9%. Always choose “Charge in EUR” when in ...

Used my Wise card at Oberbank - NO FEES. For our trip in innsbruck this was the only fee-free ATM. Went there always in the morning. Withdrawal up to ...

I tried using my Amex at a few mid-range restaurants in Baku’s Fountain Square - they declined every time. My Visa Debit worked fine at cafes, shops a...

In Baku I tried tapping my Visa on the metro turnstile - no luck. Tokens still rule the system, costing about ₼0.30 each, bought at kiosks with cash. ...

During my two-week stay in Baku, I stuck to VTB and AccessBank ATMs. My Revolut Visa let me withdraw up to ₼500 and both of those Bank didn't charge m...

Most hostels in Baku allow card payment if prebooked, but on arrival they often fall back to requiring manat cash. I paid by Visa at my Broadway Baku ...

My Visa from a U.S. credit union was consistently rejected at ATMs in Baku. I switched to my Revolut Mastercard, which worked flawlessly at Rabitabank...

My Visa was swallowed by a Kapital Bank ATM near Fountain Square in Baku - no error, just silence. I called the hotline printed on the ATM, froze the ...

I arrived at Heydar Aliyev Airport and skipped the exchange window - it offered poor USD to manat rates. Instead, I withdrew ₼100 from the Kapital Ban...