If you ask for local currency, then the bank has nothing to do but ask your bank to pay the amount you wished + hidden fee for the operation. The exchange rate

If you ask for local currency, then the bank has nothing to do but ask your bank to pay the amount you wished + hidden fee for the operation. The exchange rate used to debit your account will be of your bank for this moment. In countries like India or Russia this fee could be up to 20% from the amount requested for foreign cards. If you're asking for a currency exchange, you will be charged for this operation separately. The exchange rate will be what this particular ATM is programmed with. Any bank charge extra for each operation.)