Tried a BCI ATM in Pemba. It flashed “accept conversion” into USD with a highlighted green button. I nearly pressed it until I spotted the small print...

Pulled cash at an AYA Bank ATM near Inya Lake in Yangon. The machine offered to charge me in USD, which seemed logical since that’s my card currency. ...

Bank Dhofar ATM near Salalah airport asked me “accept conversion.” If you accept, you’re giving the ATM control. If you decline, your US card provider...

At a BBVA ATM, the “accept” option was highlighted in green. Looked safe, but it was a trick. Always decline. My Wise statement confirmed that decline...

Bora Bora ATMs seem to love this trick. At a Banque de Tahiti machine, the “accept” button was in bright green. I pressed decline and got charged in X...

In Varna, I used a Raiffeisen ATM. It asked if I wanted to be billed in USD. I tried it once and regretted it. The markup was about 8%. If you stick w...

Used a UBA ATM in Limbe. After PIN entry, it asked to accept conversion. I thought declining would cancel the withdrawal, but it doesn’t-it just charg...

In Guangzhou, I used an Agricultural Bank of China ATM. The “accept conversion” button was large and green, while “decline” was tiny. That’s how they ...

In Luxor, I used an HSBC ATM near the temple. It asked “accept conversion?” I hit accept thinking it was required, but then I saw my Wise statement an...