Originally Posted by
Zorak
~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...
I've seen this screen too when making a payment to an Ebay merchant in Germany for EUR 1,970 thru Paypal:
- first Ebay tries to offer DCC (I was using HKD card)
- then Paypal tries to offer DCC (above)
I selected out of both and selected the card I want
Credit card Asia Miles earning opportunities (HK) 2022 onwards
Due to the transaction being Paypal and for a substantial amount my bank decided to block the transaction in the first instance anyway - in the denial SMS I was sent a further confirmation from bank that DCC has been successfully avoided (below).
I found the seller in another platform (Chrono24) at first, but to transact in Chrono24 I was forced into HKD multi-currency conversion with 2.15% markup. Frustration with the inability to change into EUR, and the seller's frustration with Chrono24's higher fees led to mutual agreement to re-list the product in Ebay and transact there:
As a postscript I'm just back from Hungary and Czechia, and seem to have successfully avoided all DCC on pre-authorised payments (car rental, I think all hotels were booked via OTAs), Visa Apple Pay or cash withdrawals.