Originally Posted by restrictonthehanger

Wanted to add some datapoints from my latest trip to Europe, using a mix of chip and sig, contactless, chip and pin.
Hotels were prepaid and not chains, so no chance to see DCC in action at checkout.

London - No DCC encountered, all charges in GBP without asking.

Eurostar to Paris was interesting, prices for onboard refreshments were offered in both GBP and EUR, with an insane markup on EUR (something like 1.5x to 1.75x the GBP price), but no DCC beyond that.

Paris - Only one instance of DCC in a high end fashion brand shop. Choice was offered on the pin pad and respected, but nearly a 4% markup on FX if accepted.

Spain - DCC is rampant as expected. All restaurants and most shops offered it. When I used my Chip and PIN Target Redcard Mastercard, the currency choice was after the PIN prompt. Markup was generally between 3-4% if accepted.
At the restaurants, I always told the waiters to charge in EUR, and the choice was respected. No BS.
Same with the shops, offered on the pin pad and choice respected.
At El Corte Ingles, using Samsung Pay NFC bypassed DCC, but DCC on regular cards was not forced.
Oddly the Barcelona metro and Renfe also offered DCC, first time seeing it in a mass transit system.

Overall, not as bad as I was expecting after reading the threads here.