> I accept this kind of uncertainty when I use my existing card abroad (although in some cases, the POS terminal offers to do the currency conversion up front)

> I accept this kind of uncertainty when I use my existing card abroad (although in some cases, the POS terminal offers to do the currency conversion up front) Sounds like you're a price-conscious kind of person. Be aware that POS terminal conversions are usually the worst rates you can get, with the POS terminal taking a large % cut on each transaction in exchange for your peace of mind knowing exactly how much it's going to cost you. If it helps you to see that conversion amount, that can be useful, but generally speaking, you don't want to accept that price and instead be charged the local currency. The amount you get charged will always be significantly less (subject to you not having absurd fx fees on your card, of course)