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Same thing applies not only for ATMs, but also shops with card readers that sometimes offer to charge you in your home currency.


Hotels will also do this if they know you're from another country. Always checkout in-person at the desk and ask to review the bill before checking out. Make sure the charges are in the local currency.


Hotels are also a great way to get rid of extra foreign currency right before you leave the country. Ask them to put your remaining cash towards your bill and put the rest on your credit card. Avoids having to convert cash twice.




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