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How to avoid DCC at ATMs in Hong Kong

DCC check

DCC (Dynamic Currency Conversion) is the ATM's offer to charge you using a dollar-denominated rate. Choose HKD (the local currency) so your card network or issuer applies the exchange rate instead. This is often cheaper.

local currency (HKD) may save $2.23

Choosing "Decline" still dispenses cash. Declining DCC is different from canceling the withdrawal.

Choose this on the ATM

  • “Decline Conversion”
  • “Continue Without Conversion”
  • “Without Conversion”

ATM English term guide

WITHDRAWAL
Withdrawal
SAVINGS
Savings account (often debit)
CREDIT
Credit / cash advance
CHECKING
Checking account
PIN
PIN

Estimated for a 500 HKD withdrawal. The actual difference depends on your card's FX terms.

DCC status by ATM

  • Bank of China (HK)（中銀香港）
    AvoidableEstimated
  • Euronet ATM
    Hard to avoidMay be stale
  • Hang Seng Bank（恒生銀行）
    AvoidableEstimated
  • HSBC（匯豐銀行）
    AvoidableEstimated
  • Standard Chartered（渣打銀行）
    AvoidableEstimated
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