Avoid International Declines and DCC Fees with Niyo Card!

[Zahid_Niyo]

Avoid Declines on Agoda, Klook, and Foreign ATMs!

Did you know you could be paying 5-10%* extra on your international transactions without realizing it?

Here’s why:

Many foreign ATMs, online merchants like Agoda and Klook, and card machines offer to convert your payment into INR. While it sounds convenient, it’s often a hidden-fee trap called Dynamic Currency Conversion (DCC).

What is DCC?

DCC lets a foreign merchant, ATM, or bank set the exchange rate—usually much higher than your bank’s rate. This means you end up paying more than necessary for your transactions.

How to Avoid This Hidden Fee?

Always choose to pay in the local currency while traveling.
Use your Niyo DCB International Debit Card for the best exchange rates.
Skip DCC at checkout to avoid unnecessary declines and fees.

Explore more tips: Watch the video here .

---

For a detailed guide on avoiding declines and skipping DCC fees on Agoda and Klook, check out this post :

How to avoid Hidden Fees on Klook and Agoda using Niyo cards | DCC Explained!

If you’re using your Niyo card on platforms like Klook or Agoda, here’s a handy tip to avoid transaction declines and save some extra cash: [image] When booking, don’t select INR as the transaction currency. Choosing your home currency may seem convenient, but it’s actually part of a hidden fee trap called Dynamic Currency Conversion (DCC). Here’s why DCC can cost you extra: Foreign merchants or ATMs may offer a conversion to INR but at a much higher exchange ra…

Travel smarter, save more, and enjoy hassle-free payments abroad! Cheers!

---

[anuragalive (Anurag Singh)]

Great tip, @Zahid_Niyo !

Avoiding DCC really helps save on extra costs right away – By choosing the local currency, you’re ensuring you get the best exchange rates instantly and avoid those unnecessary fees.

Also, don’t forget to double-check your card settings for international use before traveling to avoid any hiccups.

Safe travels and happy spending, everyone!

[Krishna_Singh]

Always pay in the local currency, not INR. If a site or machine offers to convert for you, politely say no and choose the local one.

Before traveling, unlock international usage in your Niyo app. Takes two taps, saves you from card embarrassment abroad.

Check if the merchant is legit and supports Visa. Niyo Global runs on Visa, so if the place doesn’t accept it, your card won’t work.

Avoid sketchy ATMs or random currency settings at checkout. Stick to trusted platforms and machines.

Use the Niyo app to monitor transactions in real time. If something smells fishy, block the card instantly and sort it out calmly.

[SuryaK.inc (Surya K)]

Hi @Krishna_Singh,

Well said! Choosing local currency during transactions helps avoid Dynamic Currency Conversion (DCC) charges, which are often higher. Also, enabling international usage through the Niyo app before your trip ensures a hassle-free experience abroad.

Niyo Global cards are Visa-powered, so make sure the merchant or ATM supports Visa. And yes, always stick to reliable ATMs and monitor transactions via the app. You can block the card instantly if needed, keeping things secure and stress-free.