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DCC in Spain (Andalusia)

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We've returned from a 9-night trip to Granada/Sevilla/Malaga. TR in the works however I wanted to comment on my experience with Dynamic Currency Conversion on this trip.

In general, I ended up using cash more on this trip than on some others. I could have charged more but I guess I went the easy route. That costs me 2% (1% ATM foreign transaction fee vs. 1% cash back and no fees with Capital One) -- lazy tax for the most part.

We did end up making 20 or so charged transactions through transportation, accommodation, and larger meals. I'd say half or more simply came through in Euros. We had the opportunity to choose USD or Euros on about 1/3 of them. However, two (10%) of them were given to us in dollars only.

Now, I know xyz123's advice to have the transaction voided, speak to a manager and finally write "local currency not offered" on the receipt. I didn't want to get into all of that with my very limited Spanish or their much better but second language English. It's hard enough to tackle when both speak English as a first language. So, I circled the Euro price and signed. We'll see if I get reimbursed or not.

The difference in the DCC exchange was 5% -- keep that in mind. Always select the local currency when given the choice. That amounted to $4 and $7 difference on my two transactions. Small in the grand scheme, but no sense paying that.

I'm not making a statement on Spain as a whole -- just my recent experience on this trip.

We had a nice time, btw. Details forthcoming separately.

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