Poland is outrageous with DCC markup

Even mcdonalds kiosk had DCC (I don't recall mcdonalds asking for DCC in any other country).

4.75% on train ticket app
6% at train restaurant car
10% at hotel
9.9% at McDonald's

A lot of their bank ATMs are operated by Planet cash or Euronet. 0-22PLN fee plus 13-14.95% DCC markup. 14.95% is outrageous (and this one had highest 22PLN fee on top

One said zero fee with DCC rate (13% markup). Declined it, then next page asked again which option I want: DCC (13% markup) with 0 fee vs PLN with 0 fee, and said that Planet cash may charge an additional fee for foreign cards but did not mention how much. Is this legal? (Asking DCC twice, and fee may not be entirely disclosed?


At least I declined DCC for all of them. Still trying to find a fee free ATM