How to avoid DCC at ATMs in Indonesia

DCC check

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

local currency (IDR) may save $0.01

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 500,000 IDR withdrawal. The actual difference depends on your card's FX terms.

DCC status by ATM

BCA
AvoidableEstimated
BNI
AvoidableEstimated
BRI
AvoidableEstimated
Euronet ATM
Hard to avoidMay be stale
Mandiri
AvoidableEstimated

Calculate with my conditions Back to ATM comparison