I just withdrew PhP 10,000 from my Navy Federal Credit Union (NFCU) checking account, using an NFCU debit card in a Euronet ATM in "downtown" Lazi, Siquijor, Republic of the Philippines.

Thanks to this thread, I declined DCC.

Looking at a receipt left by the previous customer 30 minutes earlier, he or she wasn't as fortunate.

However, the exchange rate was only PhP 56.50/$, compared to the xe.com rate of PhP 58.51/$.