How to avoid DCC at ATMs in Norway

DCC check

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

local currency (NOK) may save $0.02

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 NOK withdrawal. The actual difference depends on your card's FX terms.

DCC status by ATM

DNB
AvoidableEstimated
Euronet ATM
Hard to avoidMay be stale
Nordea
AvoidableEstimated
SpareBank 1
AvoidableEstimated

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