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When you use an ATM or card machine abroad, it often asks something like “With or without conversion?” Or it shows prices in USD and the local currency. Here’s the move that actually saves you money Always choose without conversion or choose the local currency. It feels counterintuitive, but your bank already converts the charge for you. When you accept the machine’s conversion, you’re usually paying extra through inflated exchange rates baked into the transaction. It seems tiny in the moment. O
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