This service allows you to choose the currency in which the transaction will be charged at the merchant or ATM. Please note - when choosing DCC, the exchange rate of the company owning the terminal / ATM is used, this choice is also accompanied by a fee, which is determined by the owner of the device.
Merchants/ATM operators may add a surcharge for paying/withdrawing by credit card to the total amount of the purchase/use of the ATM. The merchant or ATM operator must inform you of the surcharge amount. You should always be able to refuse the transaction. This is not a surcharge charged by the bank.