~15% offer at a Euronet ATM in Copenhagen, declined of course
in FRA, bought an S-Bahn ticket through the RMV app, which seemed to only offer Paypal as an option -- there may have been an option to add a card, but this seemed convenient and I was in a hurry, until...
... per past experience I tried tapping on "See currency options" to switch it to EUR but it didn't "stick" and stubbornly showed the price in USD. I switched to a different card and was able to get the price to be reflected in EUR before completing the transaction. Although, again in my haste I picked a card that has FTFs :facepalm: oh well 3% is better than the 4-5% that Paypal wanted (and much less than 15%

)
I probably would have been more careful for a larger amount...