How to avoid DCC at ATMs in Philippines
DCC check
DCC (Dynamic Currency Conversion) is the ATM's offer to charge you using a dollar-denominated rate. Choose PHP (the local currency) so your card network or issuer applies the exchange rate instead. This is often cheaper.
local currency (PHP) may save $2.86
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 5,000 PHP withdrawal. The actual difference depends on your card's FX terms.
DCC status by ATM
- BDOAvoidableEstimated
- BPIAvoidableEstimated
- Euronet ATMHard to avoidMay be stale
- HSBCAvoidableEstimated
- MetrobankAvoidableEstimated