> these two are not the same ..hence one or the other..? > never select currency conversion by the PoS, always charge in the local currency and let your bank

> these two are not the same ..hence one or the other..? > never select currency conversion by the PoS, always charge in the local currency and let your bank to the conversion That's not good generic advice. Be aware of your best card's fees and see what's better. Credit cards especially are generally atrocious. Some banks' debit cards are free (Monzo, Revolut) and others are no better than credit cards. Hence the market for the pre-paid ones I suppose.