I've always gotten the Thai bank cartel fee refunded (in addition to any other standard ATM fees) when withdrawing with my Schwab debit card in Thailand.

I wasn't expecting it the first time, but it's always appeared.

I'm hoping they do. The ATM in India wouldn't let me withdraw more than $180 at a time in local currency. Had to do it multiple times, and they charged me $2-3 a withdrawal.

$19 may have been a courtesy credit given the instant resolution. If this is a large chain hotel then I'd say your chances of having issues at check-in are zero.

I am not sure why they didn't give me the difference between the DCC and non-DCC amount.

When did this occur? I've been using my debit card all month in Japan and no reimbursement yet. Is it end of month only?

Schwab does it on the last day of the month. I was in Japan for nearly two months and never got hit with a withdraw charge in Japan. Although, I was mainly using 7-eleven ATMs.

It's done on a monthly basis. The refund is roughly calculated, so you may lose a few cents or gain a few. It's because they have to deduce from the total amount how much fee you are charged, using the current exchange rate for the guessing, assuming the fees are always charged in integers.

It's probably easier for them to credit the whole transaction and write it off rather than try to comprehend the situation.

Fidelity's happens shortly after the transaction posts. I've never been to Thailand, but Fidelity has always "backed out" the fee appropriate.

Greedy ....

A few years ago, it was 150 THB, that was around the time I've heard first reports from some banks increasing it to 180 THB..

Guess they didn't stopped there.. with that kind of surcharge, exchanging money is the way to go (but given it's Thailand, I guess quite some people are worried about getting robbed bigger sums and still eat up those fees.. we all know how "safe" a hotel safe is)

Another data point. I am now in the UAE and because I had nothing better to do, I went to the mall for dinner and a movie. I handed my card to Shake Shack, advised please charge in AED. But the receipt comes out with two check boxes - one for USD and one for AED, with a very clear explanation that there is a 4.9% markup on the exchange rate if I chose USD. I checked the AED box, signed the receipt, returned it to the cashier. Apparently she was expecting USD, because she had to get management assistance to change to AED. Interesting...there are many different methods of screwing the unknowing consumer!

Is that the "quote slip" like in Thailand and Taiwan, or were the check boxes on the signature slip?

That's the same slip I got in India, after I asked to pay in rupees. But the hotel didn't update it even after I chose INR, they probably aren't use to it. Interesting thing is the hotels in Malaysia (all of these are Starwood hotels btw) had to do the transaction offline to force Ringgit.

There is only one ATM operator that charges Visa/MC users- E-Net, usually found in FamilyMart, Costco, and some other places around. They charge 108 yen per withdrawal.

No, Uber charges me local currency in my experience.
In Dubai was charged AED
In London was charged GBP

The fee varies with the time, after 7 or 8 PM it doubles to ¥216.