DCC: Dynamic Currency Conversion (2017-2025)
Mar 16, 2025 | 10:13 am
#1306
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,743
Apr 1, 2025 | 8:42 am
#1307
Join Date: Nov 2012
Location: Rhineland-Palatinate
Programs: *A Gold (A3), HHonor Gold
Posts: 6,935
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".
Apr 1, 2025 | 2:31 pm
#1308
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,113
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".
If TF refuse, any BaFin escalation?
Apr 1, 2025 | 2:44 pm
#1309
Join Date: Nov 2012
Location: Rhineland-Palatinate
Programs: *A Gold (A3), HHonor Gold
Posts: 6,935
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
And yes possibly BaFin depending on the hassle
Apr 2, 2025 | 12:46 am
#1310
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,113
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)
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)
Apr 2, 2025 | 12:52 am
#1311
Join Date: Nov 2012
Location: Rhineland-Palatinate
Programs: *A Gold (A3), HHonor Gold
Posts: 6,935
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 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.
Apr 2, 2025 | 1:12 am
#1312
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,113
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.
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.
Apr 2, 2025 | 9:04 am
#1313
Join Date: Dec 2003
Location: NYC
Posts: 7,030
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".
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.
Apr 3, 2025 | 10:55 am
#1314
Join Date: Oct 2011
Location: Los Feliz-Los Angeles (BUR/LAX) Arun Baheti
Programs: UA MM/Gold; HH something depending; Marriott Gold; other opportunistic statuses
Posts: 1,944
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. :-)
Apr 16, 2025 | 5:26 pm
#1315
Moderator: Hyatt, American Express; FlyerTalk Evangelist
Join Date: Jun 2015
Location: WAS
Programs: :rolleyes:, DL DM, AA EXP, UA Silver, Hyatt Glob, Mlife Noir (=> Marriott Amb), invol FT beta tester
Posts: 21,651
(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.
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.
May 10, 2025 | 3:59 am
#1316
Moderator: Hyatt, American Express; FlyerTalk Evangelist
Join Date: Jun 2015
Location: WAS
Programs: :rolleyes:, DL DM, AA EXP, UA Silver, Hyatt Glob, Mlife Noir (=> Marriott Amb), invol FT beta tester
Posts: 21,651
There was a line behind me, so I didn't grab a photo 
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 
)
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 )
May 20, 2025 | 3:39 pm
#1317
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,961
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.
May 20, 2025 | 6:26 pm
#1318
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,961
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.
May 21, 2025 | 5:45 pm
#1319
Moderator: Hyatt, American Express; FlyerTalk Evangelist
Join Date: Jun 2015
Location: WAS
Programs: :rolleyes:, DL DM, AA EXP, UA Silver, Hyatt Glob, Mlife Noir (=> Marriott Amb), invol FT beta tester
Posts: 21,651
9.99% DCC "offered" at an ATMx branded ATM, SYD T2.
Jun 3, 2025 | 6:30 am
#1320
Join Date: Mar 2008
Posts: 677
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.