It's a good thing the waitress was patient and had presented a choice. A location would help out for reference too. Still in Madrid?

Barcelona - the voided amount was $66 vs 59 euros.

Would you still get DCC with something like Apple Pay or contactless?

Usually contactless is a way to avoid DCC since DCC is prohibited for easy payments where verification is waived.

First time to see DCC in Colombia. I went to restaurant in Medellin in the Laureles neighborhood. The name of the place is Ay Caramba, but the receipt shows Bodegon Picante. There are a few foreigners in this area, and it's in the one of the main dining areas of this neighborhood. So I'm sure other foreigners have hit this.

I used my CSP and the waiter brought one of the portable machines. He was confused at first because it was showing the conversion rates, and then a choice in the bottom: COP or USD. I told him to pick COP, but he was hesitant at first. He thinks because I'm a foreigner and that my card is a foreign card, that he should pick USD. I had to tell him twice to pick COP. I do speak conversational level Spanish, so that helped.

I think the processor is CrediBanco since that's what showing in my receipt.

I was always under the assumption that contactless transactions were an almost failproof method of stopping DCC. But I'm not sure now.

Previously, all my contactless transactions have been autorised 'offline'. Auth codes from my bank are digits only when offline and they don't affect my 'available balance' until the payment is processed a few days later. Transactions are written to the transaction log held within the card's chip (there is an Android app to read this from the card).

Today, however, I used my credit card contactlessly at a petrol station in Cambridge (UK). The transaction was authorised online as the auth code started with a letter (convention my bank follows) and (importantly) it was not written to the transaction log within the card's chip. It struck me that it would theoretically be possible (if my card was not in GBP) to have been DCCed *after* touching the card but before receiving the receipt and without needing for the card to be retouched on the reader.

Anyone with any experience of contactless DCC?

I've encountered this too in Spain. I've resorted to hanging onto the PIN pad until the receipt prints out.

I thought HK has no chip and pin - see for example orreck and Rainbow.

But I just saw a visitor use a non-HK HSBC visa in Page One near HKG gate 60, no signature even tho the transaction was HK$328 (small ticket transaction in HK is $200)

Also DCC was asked for, and a selection (the visitor chose HKD) was keyed in. Compliant.

I have a question pertaining to DCC. I know it's almost always a good idea not to request DCC but wouldn't be more advantageous to request it in some instances in which there's a high probability that you might request a full refund?

For instance, let's say you make a hotel reservation and you're charged a deposit of AUD500. You're charged the equivalent amount in USD or around USD362. However, your travel plans change and you cancel the reservation later on. The hotel then refund the same amount of AUD500 that they charged you but by then the AUD has lost some of its value in relation to the USD so the refund ends up being around USD357 after currency exchange. The foreign transaction fee refunded is also less because of the lesser refund.

On a side note, if the AUD would have appreciated in relation to the USD, would I have received a slightly larger refund? I've never received a refund larger than the original purchase amount.

Wouldn't be better in these instances to request DCC from the hotel (assuming they allow it) so that the amount charged and refunded in USD doesn't fluctuate as per forex rates?
And if they did, would they initially charge and refund you the exactly same equivalent amount in USD or would they convert each of them depending on the current exchange rate?

Under either scenario, the deposit and the refund will be AUD500, not the equivalent amount in US$. The hotel is not going to keep records in a foreign currency. The difference will be who computes the conversion at the times that the deposit is made and refunded, the hotel or your credit card processor; in either case, the rate of conversion at the time of the transaction, deposit or refund, will be used to compute the US$ equivalent.

I saw a DCC offer for the gentleman before me at SYD at an ANZ ATM. When I went to use my Fidelity Visa debit card, I received no such DCC offer. Perhaps my transaction went over a different network? My receipt didn't have any FX verbiage, only the A$300 withdrawal amount plus A$2 ANZ ATM fee.

Tried Revolut at a Travelex ATM in a local mall in the US today and I wasn't DCC'd. The ATM did support EMV though, which I was surprised about; I had to insert and remove before it told me to stick the card back in. I ultimately didn't go through with the withdrawal because they wanted to charge $3.25 just to pull out $20. :rolleyes:

Anyway, do they commonly DCC at their ATMs or am I remembering wrong?

Travelex routinely offers DCC with its ATMs but I don't know why the Revolut card would not have offered DCC.

There was some funkiness when I read the card with cardpeek before where there were a bunch of zeroes before the data items indicating that it's a UK card whose currency is GBP. Perhaps the ATM didn't see those and just assumed US issued card/USD.

Travelex has an entire business model around DCC. The fee shocks me though. I thought their ATMs were all fee free (DCC being their profit)