Got back from Malta last week. As far as I can see, there aren't any reports from this country. (For those who have never heard of Malta, it is a beautiful island nation located between Italy and Libya. Ninth smallest country in the world, member of the EU and uses the Euro as a currency. Officially bi-lingual Maltese and English, many Italian speakers and plenty of ex-pats from around Europe.)

Most retailers had two card terminals (even at each supermarket checkout). One from Bank of Valletta (BOV) and one from Global Payments (HSBC). For local debit cards without Visa/Mastercard, they selected the machine based on the card presented. For foreign cards, it seemed to be a mix as to which machine was used. Even visiting the same restaurant on two occassions, I ended up with one BOV receipt and one HSBC receipt.

In terms of DCC, only the HSBC machines offered it. I was offered DCC four times and all the staff were clear and knowledgable about the "service". All offered a choice of Sterling or Euro before entering the PIN. In one store, the cashier even asked about my choice of currency just on sight of my Halifax card - her response was "good choice" when I opted for Euros! Opting out was easy: green to select DCC or red to opt out.

I found this article in a local newspaper to be quite interesting, where DCC is sold as being very beneficial and free of charge to customers: http://www.independent.com.mt/articl...lux-6736136636