Citi plays a lot with this DCC Crap.

If you do international wires a pop up on your screen explaing your wire will be converted to HKD (but it won't say under their conversion rates nor do they tell you their conversion rate) Press OK to continue in HKD or press cancel to continue in USD.

Many people don't even read the paragraph they put there and hit YES. As one would assume cancel would mean "I don't want to continue with my wire".