How to avoid DCC at ATMs in Romania

DCC check

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

local currency (RON) 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 200 RON withdrawal. The actual difference depends on your card's FX terms.

DCC status by ATM

Banca Transilvania
AvoidableEstimated
BCR
AvoidableEstimated
BRD
AvoidableEstimated
CEC Bank
AvoidableEstimated
Euronet ATM
Hard to avoidMay be stale

Calculate with my conditions Back to ATM comparison