Currency abroad

cash vs card vs ATM: effective rate with all fees and the DCC trap

Parameters

Foreign currency needed, €

Exchange: buy rate

Exchange: fee, %

Card: bank rate

Card: conversion fee, %

ATM: rate

ATM: bank fee, %

ATM: fixed fee, UAH

ATM owner fee, €

Terminal offers "pay in UAH" (DCC)

Cost of €500

Cash exchange 23 215,00 UAH (46,43)

Card payment ← best22 978,00 UAH (45,96)

ATM abroad 23 555,00 UAH (47,11)

Paying by card at the bank's Visa/MC rate with no conversion fee is usually cheapest. Exchange cash in Ukraine — tourist exchange rates abroad are worse. Withdraw at bank ATMs, not Euronet (€3–5 fee + poor rate). Keep a limit in the destination currency.

Über Currency Exchange

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