How to avoid DCC at ATMs in Switzerland

DCC check

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

local currency (CHF) may save $4.23

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

DCC status by ATM

Euronet ATM
Hard to avoidMay be stale
PostFinance
AvoidableEstimated
Raiffeisen
AvoidableEstimated
UBS
AvoidableEstimated
ZKB
AvoidableEstimated

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