DCC: Dynamic Currency Conversion (2017-2025)
Dec 26, 2024 | 2:09 pm
#1261
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,957
In Poland, it might be unavoidable. I've never been to Poland, but reports on this thread - as well as yours - indicate that DCC is rampant at ATMs and merchants.
In other countries, there have been bank operated ATMs that are accessible.
In other countries, there have been bank operated ATMs that are accessible.
Dec 28, 2024 | 5:28 pm
#1263
FlyerTalk Evangelist
Join Date: Mar 2002
Location: Saipan, MP 96950 USA (Commonwealth of the Northern Mariana Islands = the CNMI)
Programs: UA Silver, Hilton Silver. Life: UA .60 MM, United & Admirals Clubs (spousal), Marriott Platinum
Posts: 17,987
Avoiding a balance inquiry fee.
This is the key takeaway for infrequent travellers to Europe such as myself. Avoid "Cash & Balance" because you are being charged an outrageous fee by a Euronet ATM to see your balance. 
Selecting "Other", followed by "Cash", is a great workaround.
Selecting "Other", followed by "Cash", is a great workaround.
Dec 28, 2024 | 11:23 pm
#1264
Join Date: Jul 2007
Location: Berlin
Programs: LH SEN, BA Gold, SK Gold; Accor Diamond; IHG Diamond-Amb; Meli/HH/Bonvoy Gold
Posts: 5,682
A week into a stay in India, having used US cards at hotels, restaurants and supermarkets, we've not yet encountered a single attempt to charge anything other than INR.
Dec 29, 2024 | 6:29 am
#1265
Join Date: Nov 2023
Posts: 13
Thanks, Pekao bank worked. But the atm maxed out at 200 PLN
Various Google maps review show that other people got no fee too
Bank Polski did not partner with planet cash/Euronet, but they still charged 19.9PLN + 12.13% dcc
Velo bank (planet cash 20PLn fee or 0+ 13.9% DCC).
Various Google maps review show that other people got no fee too
Bank Polski did not partner with planet cash/Euronet, but they still charged 19.9PLN + 12.13% dcc
Velo bank (planet cash 20PLn fee or 0+ 13.9% DCC).
Last edited by t2323; Dec 29, 2024 at 8:27 am
Dec 29, 2024 | 2:33 pm
#1266
Moderator: Travel Safety/Security, Travel Tools, California, Los Angeles; FlyerTalk Evangelist
Join Date: Dec 2009
Location: LAX
Programs: oneword Emerald
Posts: 24,738
Dec 29, 2024 | 5:08 pm
#1268
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: 1,942
Is there a Wiki or thread listing banks by country for ATMs that either don't charge crazy fees and/or allow you to avoid DCC in a reasonable manner? I'd love to have a cheat sheet before I leave for a country letting me know which banks or brands of ATM I should look for.
Dec 29, 2024 | 5:29 pm
#1269
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,957
Is there a Wiki or thread listing banks by country for ATMs that either don't charge crazy fees and/or allow you to avoid DCC in a reasonable manner? I'd love to have a cheat sheet before I leave for a country letting me know which banks or brands of ATM I should look for.
I don't worry too much about DCC at ATMs since, aside from one instance from klashn in Mexico, it's been possible to opt out.
Dec 29, 2024 | 5:42 pm
#1270
Moderator: Travel Safety/Security, Travel Tools, California, Los Angeles; FlyerTalk Evangelist
Join Date: Dec 2009
Location: LAX
Programs: oneword Emerald
Posts: 24,738
Is there a Wiki or thread listing banks by country for ATMs that either don't charge crazy fees and/or allow you to avoid DCC in a reasonable manner? I'd love to have a cheat sheet before I leave for a country letting me know which banks or brands of ATM I should look for.
Dec 29, 2024 | 7:56 pm
#1271
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,099
I don't know if there is a thread or a wiki, but if you have a Schwab debit card, any fees will be refunded to you by Schwab. If you bank with a member of the Global ATM Alliance - Bank of America, Barclays, BNP Paribas, Banca Nazionale del Lavoro, China Construction Bank, Deutsche Bank (except for Spain), Scotiabank, TEB, UkrSibbank and Westpac - usage and access fees for using ATMs belonging to other alliance member banks will be waived. You still have to watch out for DCC offers, though.
Last edited by percysmith; Dec 29, 2024 at 10:06 pm
Dec 30, 2024 | 4:18 am
#1272
Join Date: Feb 2014
Posts: 8
Dec 30, 2024 | 7:50 am
#1273
Join Date: Nov 2023
Posts: 13
Is there a Wiki or thread listing banks by country for ATMs that either don't charge crazy fees and/or allow you to avoid DCC in a reasonable manner? I'd love to have a cheat sheet before I leave for a country letting me know which banks or brands of ATM I should look for.
when I search for Poland no fee ATM, a lot of posts say bank ATMs have no fee. But that's not what I encountered.
One good thing: majority (but not all) of the poland ATMs I've used accept contactless from physical card, less risky getting skimmed
Dec 30, 2024 | 9:35 am
#1274
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: 1,942
Good points, thanks. Maybe just time for me to open a new account for ATM -- I'm probably too conservative about opening accounts.
Dec 30, 2024 | 9:54 am
#1275
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: 21,634
I don't know if there is a thread or a wiki, but if you have a Schwab debit card, any fees will be refunded to you by Schwab. If you bank with a member of the Global ATM Alliance - Bank of America, Barclays, BNP Paribas, Banca Nazionale del Lavoro, China Construction Bank, Deutsche Bank (except for Spain), Scotiabank, TEB, UkrSibbank and Westpac - usage and access fees for using ATMs belonging to other alliance member banks will be waived. You still have to watch out for DCC offers, though.