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No problem. They clearly were in breach of their terms and blamed the ATM operators - Euronet in this case.

@Berglund. An option would have been nice though and seeing as how one was never given and I was in a Eurozone country the following should apply. Only it didn’t! From their terms and conditions for Sweden / English version. 10.1.1. When making a purchase or an ATM withdrawal, your Travel...

So glad we agree on something. Smugness will get you far but you cannot speak of fault in expecting an ATM in a Eurozone land to give EUR from a EUR wallet without double-converting it especially if it doesn’t even state or give any other options. I am no stranger to DCC but there have always...

@ekf I am not forcing you to continue anything, clever clogs. When a customer through no fault of their own (no options were given) runs into problems using your products, it is as much your responsibility as it is theirs. Now, modern types may not understand this which is where products are...

@ekf. Indeed, until you come to use said money which is when all is undone by double-exchanges. So, on top of a mastery of FX, DCC mechanisms, "knowledge about how payments in foreign currency work" - as you suggest, it appears one needs to also have inside-out knowledge of ATM protocols in...

@ekf What are the advantages over a Visa/MC though? What is the point even if at worst it all falls back to the home currency and at best you are fleeced through disadvantageous exchange rates? The convenience? Currency exchange add-ons? No-use period penalties? Not the few SAS point surely! It...

@palmen. That only goes to reinforce the fact that there is absolutely no point to the product except the hope of having gullible clients willing to be fleeced in the hope of getting a few points. All this multiple currency nonsense and currency priority is just meaningless waffle, simply...

@ekf. I agree that the ATMs will do anything to fleece you BUT (and I wish I had filmed this now) there was never a prompt to convert or choose currencies. And in any case why would I have chosen SEK if I had enough EUR there anyway? The beef I have with TW is that if one prioritises a currency...

@ekf. Now then. This is the summary. I loaded my card with 3532.95 SEK which was converted to 321.36 EUR. Then I withdrew 200 EUR seeing as a lot of places where I was operate in cash (fair enough). When I checked my balance after the withdrawal which was converted to 2405.63 SEK, I expected to...

@Joje_66. Now, why exactly would I do that ? The ATM fee is the least of the problems here.

Never laboured under the illusion of a free lunch but I most certainly didn't expect to be stung 41 for 200. What, would you have enjoyed it? @ekf. 41.85 to be exact. It was shambolic. They converted from EUR back to SEK back to EUR, while I was left sucking my thumb. So much for currency...

It is without a doubt the worst of the top-up cards in circulation. So idiotic in fact, then when you think you have done yourself a favour, loaded the card with say SEK and converted them to EUR to use abroad and prioritised that currency in the false hope that you will be charged in EUR; when...