This is the right answer. Always decline the conversion and let your bank do it. Even the worst US bank will have a better rate. If you travel a lot, it pays to

This is the right answer. Always decline the conversion and let your bank do it. Even the worst US bank will have a better rate. If you travel a lot, it pays to use a bank that gives current market rate, has no foreign tx fees, and refunds all additional ATM fees.