Travel · Calculator
Dynamic currency conversion cost checker
See exactly how much you overpay when a terminal asks "Pay in GBP or local currency?" — and why you should always say local currency.
Dynamic Currency Conversion (DCC) is when a merchant or ATM offers to convert your transaction into your home currency at their exchange rate. Their rate is typically 3–5% worse than your card's rate. Always choose to pay in the local currency — every time.
%
Pay in local currency (EUR)
+£0.00
No fee — your card converts at the interbank rate
Accept DCC (pay in GBP)
+£17.50
~3.5% DCC markup applied by merchant or ATM
DCC overcharge on this transaction
£17.50
Your card has a low forex fee — always pay in local currency and decline DCC.
The simple rule
✓Terminal asks 'Pay in GBP or EUR/USD/THB?' → Always choose the foreign currency
✓ATM asks 'Accept conversion?' or 'Continue with GBP?' → Always decline / continue in local currency
✓If a receipt shows the GBP amount before you tap → Ask for the local currency version
✗Never accept a DCC offer — the merchant's rate is always worse than your card's rate