3 Traps at Foreign ATMs

Trap 1: The ATM's "in your home currency?" is DCC

When it asks "local or your currency", always pick local currency and refuse the ATM's 3%–7% markup.

Trap 2: The ATM operator fee

Many foreign ATMs charge a fixed operator fee per withdrawal (often $2–$7), separate from your bank's. Withdraw larger amounts, fewer times.

Trap 3: Your issuer's cash fee + interest

Credit-card cash advances usually carry a fee and accrue interest from day one with no grace period. Prefer paying by card over cash advances.

Read next

• What Is DCC — and How to Spot It
• The Complete Guide to Using Cards Abroad
• 3 Things to Do Before Using Your Card Abroad

Related: what is DCC · before you go.