Another place I saw DCC was at the UniCredit ATM machine (finally ran out of the Euros we brought with us). Same thing — two large buttons, one for "Proceed with conversion", another for "Proceed with no conversion". I don't recall if the rate was listed, but the € and $ amounts were listed clearly and the $$ seemed a little high. On top of that the ATM imposed a pretty hefty €5 fee, which I hope Schwab will pay back like they have in the past.