AI-assisted source summary. Read the scope and exceptions, then follow the original documents below.
Applies to
Cross-border Visa card purchases and ATM currency-conversion offers
Time context
Public guidance checked October 20, 2026
Sources checked
Local currency does not guarantee the lowest all-in cost for every card. Compare the displayed rate with your own issuer's terms.
The familiar number is a conversion offer
Dynamic currency conversion lets a merchant or ATM convert a charge to your home currency. Visa explains that the offer includes an exchange rate and may include additional fees or markup.
Visa requires both amounts, the conversion rate and markup to be displayed. The provider should not select for you. If details are missing or you feel pressured, Visa advises declining conversion and contacting your issuer.
Our comparison: distinguish DCC markup, issuer foreign-transaction fees and ATM charges. Avoiding the first does not necessarily remove the other two. Keep the receipt showing the currency you selected.
Original documents used for this summary. Multiple links from one publisher are not independent corroboration. Policies can change after the check date.
AI-assisted research, writing and translation by No Secrets, using the linked public documents. This is a source summary, not firsthand reporting or an independently audited investigation. No affiliate links are used in this article.
The date above records this research pass, not the date of every underlying event. The English and Chinese versions are AI-assisted summaries; the linked original controls if they differ.