Dynamic currency conversion (DCC) at ATMs

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When using ATMs or paying by card at shops, the machine may ask 'Would you like to be charged in your home currency?' or show two options with one highlighted in your currency. This is Dynamic Currency Conversion (DCC). If you accept, the ATM operator (not your bank) sets the exchange rate, which typically includes a 3-7% markup over the real rate. On a 10,000 THB withdrawal, you could lose $15-20 compared to declining and letting your own bank convert. Thai ATMs also charge a flat 220 THB fee per withdrawal for foreign cards regardless of DCC. Some shops will automatically apply DCC without asking.