I used a Euronet ATM at LIS on Wednesday evening (with the Thursday Visa rates). While I didn't want to give business to Euronet, I wanted to check the new trick they have about Cash & Balance. Honest Guide has a video on this in further detail, and I was able to opt out of the balance inquiry option after having watched this video:


The displayed DCC offer was displayed as 13.95% at 0.8004 EUR = 1 USD for $254.78. The pending transaction with my bank is $225.32, which matches Visa's rate for 8/15 and is effectively 13.07%. I saved $29.46 by declining DCC.