When withdrawing in a local currency other than Euro I usually figure out the amount I want to withdraw before I get to the ATM, that way all my attention is focused on avoiding DCC and getting as close to the desired amount as possible. Hate it when the machine times out while my brain cogs are struggling to keep up.

Yes � I do the same and I was thinking a little less than 100 PLN depending on the options (I like to get just under a big round number so that I end up with some small bills). But then the suggestions were in the 1000s and I started thinking, wait, is it 4 PLN to the dollar or 40? The machine threw me off!

In the summer I mentioned the DCC in the US and testing things a bit... I honestly have not much to report. I have used my Polish debit card in a number of places at this point and I have not seen DCC except for Walgreens back in Miami over my traveling. Since then, I have used it at Walmart, Lowe's, Sheetz and Wawa (local convenience store & gas station chains), a couple of restaurants, chain like Zoup, Advanced Auto Parts and a bunch of small places with a toast and square and not one DCC - the only time I have experienced it in the US so far was at Walgreens.

I still have about $90 left to spend on the card and I am willing to go, so if anybody has any suggestions on a chain to use, drop it in, otherwise I'll try to be diverse and see what I can do, but it seems that DCC is not prevalent at all in the US. And rightfully so, considering the low amount of foreign cards we come across with relatively speaking.

My sister-in-law used an AUD denominated card here at Walgreens, Target, and a couple of other smaller cafes/takeout restaurants without seeing DCC. She did contactless for everything, and the eateries were all using Toast, Clover, or equivalent terminals.

The Walgreens in Miami used DCC for both contactless, contact and GPay transactions. But I did notice that in the last year or two they got new terminals, so maybe that's something to do with it? Or the Miami ones are preying on foreigners? I have a walgreens in my area, I can stop by and see for myself how is the one in PA working.

Another purchase at El Cortes Ingles, first since pandemic. Supermarket this time, I was able to select Euros:

Jetstar had a DCC option, but this was one of the better implementations that I have seen on a website with DCC. Instead of presenting the option only after clicking the payment button, the DCC selection came up right after I had entered my credit card number and prior to selecting the T&Cs box and clicking pay.

My account on Chase is showing the pending amount of $351.68 whereas the DCC offer was $375.82.

All over Seville and Barcelona, using Apple Pay, almost always asked EUR or US Dollars. Of course I choose Euros.

I will say its been easy to choose Euros, its not been a hassle to use an American Visa.

And, as expected, only on Visa. Amex just defaults to EUR and does not ask.

In Peru had a new twist -- hotel would only quote me a price in dollars ($40) for a tour, but then wanted to do their own conversion to local at a rate they picked and charge me that on my card. I asked them to just charge me in soles what a Peruvian would get charged and they refused to give me a number. Not quite DCC, but...

Let's not forget why many find DCC offensive -- it's the deception involved. A business quotes one price, obfuscates the collection process, then ends up collecting another amount.
Otherwise there's no offense in doing honest business in any currency.

FWIW, my CapOne Venture X, checking transactions online show the amounts only in USD. (I know I was charged in Euros). AMEX show USD and then in a smaller text, one line below shows the original Euro amount

It's the "Summary View". At the left side of every transaction there's a down arrow. Click on that to see the "Detailed View" -- for the original currency and all other details.

Wow, 15% seems offensive; and is it me or is the wording/layout ambiguous (and probably deliberately so)? Like, I consider myself a DCC veteran and I still had to pause for a second to verify that the markup referred to the USD equivalent.

(Although granted, a lot of alcohol had been consumed by this point this was for a family banquet at the Howard Plaza Hotel in Kaohsiung)



XE rate at the time:

I give the terminal credit for using the word markup. Clear that you are getting hosed. :-)

Given the choice between TWD (worth USD 1,656.80 per an independent source) or a dynamic currency conversion (DCC) rate of USD 1,918.26, presumably you chose the former.

I agree that the "15.0% Markup" language definitely seems to imply reference to the TWD price -- both by the parenthetical usage, and placement before the second option number (2). This seems a blatant attempt to steer purchasers into making the more expensive choice.