SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/trav-dcc-visa

A foreign shop offers to charge your card in dollars, not local currency. What does Visa say that offer includes?

The exchange rate plus additional fees, and the choice is yours.

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  1. Only the exchange rate, with no fees
  2. The exchange rate plus additional fees ✔
  3. A guaranteed best rate

Why: This is Dynamic Currency Conversion. Visa says the home-currency option includes the exchange rate and additional fees. Visa also says the choice is yours to accept or decline.

Huh, didn't know that: Visa says if details are missing or you feel pressured, decline the offer and report it to your card issuer.

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Me: I'd love to travel more. The bank account: Like, to the park?
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References

Answer: The exchange rate plus additional fees. This is Dynamic Currency Conversion. Visa says the home-currency option includes the exchange rate and additional fees. Visa also says the choice is yours to accept or decline.

  1. What is Dynamic Currency Conversion? Visa www.visa.com/en-us/personal/travel/dynamic-currency-conversion
    which includes exchange rate and additional fees
    Checked 2026-10-10.

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