Ciao, Perche!
I wouldn't have thought that using your CC for the fare would be handled like a cash advance, but that might be true if you are expected to enter a PIN. Since I am not certain I have a PIN for my CC (I might but have never used since it isn't written down anywhere), that likely saved me the extra charges. I didn't know you could use your ATM card in the kiosk. I was in a hurry and don't remember what the screen looked like but I generally look for the Cirrus symbol to use it that way and not sure I saw it. I had euros on me - so just used that. Ideally, I'd just pay through an app and avoid all of this! I should have done so my last visit, but I forgot to get it setup. As I recall, the one app would only accept my card info when I was ready to pay for the ticket, but since a strike was planned, I had no idea which train I would be taking until I got to the train station. I really didn't want to be standing in a crowed train station trying to enter my card info into my phone, so just bought it at the kiosk.