The problem with exchange rates is usually that the institution managing the ATM/Payment Terminal tries to trick you into using their exchange instead of just c

The problem with exchange rates is usually that the institution managing the ATM/Payment Terminal tries to trick you into using their exchange instead of just charging your card in the local currency and have your bank do the exchange. And the ATMs exchange rate are a ripoff. You’re not a returning customer, so they milk you as much as they can. This holds true for both credit and debit cards. Check with your bank, they’ll give you the proper advice and it’s usually “charge in the local currency and let us handle the exchange.”