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If you prefer to use the card, it's one issue that you just have to deal with, major banks will offer similar rates. The exchange applied is normally that of the customers bank rather than that of the ATM operator in Indonesia. The amount debited to the customers account in their home currency is determined at the time the transaction is processed by the bank, rather than the time of the ATM use.
As this processing time can vary considerably from the time of actual the ATM transaction the exchange rate may vary considerably, up or down.
There is no way of having any reasonable control over this time lag. The customers bank may charge an international transaction fee, part of which is used to pay any interbank transaction fee, if using a Visa or MC branded credit or debit card the customer will also most likely be charged a 'cash advance' fee, even if the funds are coming from an account with a positive balance, such as a savings account.
The bank may also apply high forex conversion fees. Some banks have card products with less penalties and lower or no charges for foreign ATM use, they will still apply their own forex rate though, and that may or may not be competitive.
Generally the best rate available will be from selling foreign currency notes at a reputable and competitive money changer or one of the local banks forex desks. This topic has been closed to new posts due to inactivity. We hope you'll join the conversation by posting to an open topic or starting a new one.
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What are the most popular tours in Jakarta? Jan 06, Hotel with large pool? Jakarta - Bogor - Jakarta Jan 03, 3 days trip around Jakarta See All Jakarta Conversations. All hotels in Jakarta Es wurden dabei weder DCC angeboten noch Gebühren erhoben! Vielleicht sollte man darauf hinweisen, das dieses Problem bei Visakarten von deutschen Direktbanken, die weltweit zumindest europaweit kostenlose Bargeldauszahlungen versprechen, keine Gebühren genommen werden, wenn man nicht in die DDC-Falle tappt!?
Sollte ich das Problem nicht ganz erfasst haben, bitte ich um Aufklärung. I used Euronet in Lisbon and got a very good rate. There is one important thing to know.
It is cheaper for your home bank to do the conversion. I use Euronet because MB has a euro limit per transaction while Euronet allows me to withdraw euros. I have the with and without conversion fee thing covered in another post. But Euronet does not just give you a bad rate. They also have massive fees beside the bad rate. So even if you change without conversion, you still get a really bad deal with Euronet. I denied and got charged by the usual rate. However, I personally am gonna avoid Euronet in the future.
Nothing about the conversio fees: Before we set off on our travels we visited the UK post Office and bought a Post Office prepaid MasterCard and loaded the card with euros. Here is a breakdown of our transactions:. We had an almost identical experience to you in Mallorca last week. I was prepared to pay the transaction fee, which I though was fair enough, but to be stitched up unnecessarily by the DCC is totally out of order.
Please let us know how you get on with your complaints — I am also keen to make a formal complaint as this seems to be legalised fraud…. Just been ripped for 50quid by Euronet in Siracusa. Have been to Tenerife and this ATM were all over the place. I debited Euro 70 and did not get warning message and was charged 2. On top of that bank charge transaction fees. Is there any law on this loot and scam? Like others got taken by Euronet in Florence.
Paid over 50 Euro to get I had the same experience for in Rome, Italy, last friday oct. And on top of that a fee of 2. So I stayed clear of them and went to a regular bank one , refusing the DDC version of course , but I wanted to find out more about Euronet especially as I have a direct view of one of them machines from my apartment window here in beautiful Starigrad , Croatia and that is not the only one and , lo and behold , what do I find??
I am changing banks presently so I will have a surplus card soon and I think they do sell superglue at the shop …and it gets dark soon in winter. Dont get mad , get even , folks. I got euros out in Tenerife and the machine completed the transaction before I had chance to hit cancel.
Then to add insult to injury they charge a 2. Thanks for starting this Claus, I learnt the hard way. Too late for me, but hopefully not others. Unfortunately, i just used an ATM of Euronet.
The normal fee was not very high. But the exchange rate is really, really bad. So please listen to the advice of Clause: I can confirm…It is ridiculous the exchange rate they use.
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