What should I choose if the ATM or card terminal asks to convert for me?
Always decline the offer to convert by the ATM or card terminal.
If you're asked to debit in your home currency or the local currency, choose the local currency.
Example: If you’re in France, select EUR (Euros) as the currency when paying at the Card Terminal.
What option should I select at ATMs and Card Terminals?
When using a card abroad, you may see options like:
Option | Recommended Selection |
Accept with conversion or Accept without conversion? | Accept without conversion |
Debit in your home currency or Debit in the local currency | Debit in the local currency |
Let us convert the money for you — yes or no? | No |
Confirm the exchange rate — yes or no? | No |
Why should I let Cypher handle the conversion instead of the ATM or card terminal?
Card machines and ATMs often apply inflated exchange rates, sometimes charging up to 15% more than Cypher’s rates.
By choosing to let Cypher handle the conversion, you get more transparent and cost-effective currency exchange.