Overseas ATM withdrawal
Sometimes, an ATM or card terminal may ask you if you want to be charged in a different currency than the one you are trying to transact in. For example, an ATM in the UK may offer to give you cash in GBP but charge you in SGD.
To ensure you always get the best rate, you should always opt to be charged in the local currency of the country you’re in.
To avoid DCC charges, do follow the steps here on how to withdraw cash from an overseas ATM using YouBiz's conversion rate.
Online payments
Similarly, for online payments, do ensure that you have selected the currency you wish to use for payment in the online platform payment setting before the final checkout and payment.
If not, the platform will tend to follow the country in which the user resides or the country in which the card is produced and charged in SGD.