I should be able to check next time I'm flying out of there (mid-May). :tu:

Got DCC'ed at a restaurant in Romania last week. Paid contactless, the waiter never showed me the POS. I noticed when I looked at the notification from my CC app that the amount looks high, this was a few hours later and could not go back to the restaurant. Card is the German TF Bank MasterCard Gold. Their customer service says "don't care, dispute with restaurant".

Chargeback the full amount then?

If TF refuse, any BaFin escalation?

I have sent my chargeback request, will see what they say. If they refuse I will close all my cards with them.
And yes possibly BaFin depending on the hassle

Don't close (quit), get even (force them to respond to BaFin no matter the hassle).

I was writing complaints to HKMA (BaFin for HK) on Chinese New Year eve (time to send the complaint at 8:00am on the first working day after CNY).

One friend asked me if I'm concerned they'd close my account as payback. I said good, one more header of complaint to stop them from closing my complaint.

(Another friend said a HKMA complaint was the only way to get my complaint out of the copy and paste brigade at that bank)

They have replied to the chargeback saying I should request a chargeback with the merchant. I replied citing Mastercard Chargeback rules and give them 2 weeks to do it before I complain to BaFin. So let's wait 2 weeks and then I will complaint.
I am annoyed as this is the first chargeback or even customer service I request of TF Bank and it seems they are not worth their reputation (it is often cited as the best CC in Germany). I am also annoyed with myself because I know about DCC. But I did not encounter it in the last few years (a few ATMs here and there but not any restaurants or shops even when paying contactless) so I had my guard down.

I like receiving the hopeless replies in writing like chargeback should be raised by cardholder to the merchant. My regulator allows me to attach previous communications with the bank so I can document all their stupidity and angle for a regulatory compliance complaint as well as customer service complaint.

We run on 30 day cycles though (I raise complaint to customer service, customer service responds, I escalate to bank contact person, contact person responds, I send the complaint to HKMA). Those 30 days are mandated cooling off periods. But sometimes the bank is stupid enough to reply early.

Was it a restaurant likely to get many tourists?

I suppose a lesson I recently learned is always look at the POS, especially if it's a restaurant that asks likely tourists for a tip (despite a service charge) but doesn't ask locals, although this can get awkward.

Don't be too hard on yourself, this is how they get us, right? Relaxed, guard down, having a nice time on vacation, a cocktail, for most of us used to being in home country where it isn't an issue, in the case of Americans totally normal to hand card over and not touch the device, trying to get back to the hotel to sleep... here's my card. These restaurants know what they are doing and how to do it. :-)

(Japan)

Still 4%, essentially the same as the previous screenshot other than the exchange rate, at the 7-Eleven ATM near the monorail entrance last night at HND T3.

There was a line behind me, so I didn't grab a photo :p but a travel stop restroom outside of Bern took credit cards, offering 1.00 CHD or 1.27 USD (vs XE rate 1.20, so ~6% DCC :) )

This wasn't really DCC or MCC, but I was on a Virgin Atlantic flight Monday night, and the Wi-Fi gave the option to pay in GBP or USD prior to submitting payment details. I did a quick check of the exchange rates, and it was cheaper to pay in USD.

I saw something similar to the above on a website for a shuttle bus service at MAN. The option was present to choose GBP to USD, although, in this case, I was using a VPN back to a stateside IP. It was £3.60 or $5.01, so I chose GBP prior to entering the payment details.

9.99% DCC "offered" at an ATMx branded ATM, SYD T2.

I just got DCC'd involuntarily at an Indian ATM. No prompts or anything, the final amount is about 2.5% higher than the official XE on Visa's site. I travel a lot and always verify the amount on Visa's site and virtually always it is exactly spot on to the cent. This time however, it is way higher. I have the ATM receipt that has nothing on it except the exact amount in local currency withdrawn. I am going to dispute it with my bank.