They can really make it confusing though. We needed some cash urgently once and we kept thinking the transaction would cancel entirely if we said no, and did cancel out twice. We found another ATM. Same thing. Finally we ended up getting the money and hit with a big fee. The next time on same trip we were able to navigate it better and hit "no" or "cancel" at the right times and avoided DCC. We are reasonably sophisticated travelers but just didn't figure it out the first time. Our fault in the end, yes, and lesson learned, but still frustrating, and one of the reasons this DCC stuff agitates me so much.