Even ATMs - Travelex is a big offender here - have gotten into the DCC game. They make it sound like the end of the world if you don't accept their "great" rate. "You can lock in this great exchange rate, but we have absolutely zero control over what happens if you don't accept it!" "Are you sure you don't want to accept this?" "Really sure?" "Completely sure?" "Alright, but you've been warned!!!!!" ... and then I end up getting a far better exchange rate than what they were trying to provide me.