# What is Dynamic Currency Conversion (DCC) and why are they declined on your Niyo Global card?
**URL:** https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406
**Category:** Banks
**Tags:** banking
**Created:** [July 6, 2022, 5:28pm UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406 "2022-07-06T17:28:25Z")
**Posts on this page:** 11
**Page:** 1
### Author:  [@Saksham\_Agarwal](https://community.goniyo.com/u/Saksham_Agarwal)
#### Post date: [July 6, 2022, 5:28pm UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/1 "2022-07-06T17:28:25Z")
**Dynamic Currency Conversion (DCC)** charges are levied by merchants who offer customers an option to pay in their home currencies (in your case, INR). However, by doing so, fees upwards of 7% of your transaction amount may be charged as currency conversion charges. _ **We always advise our customers to transact in the local currency of the country they are visiting, since your Niyo Global card provides you the facility of Zero Currency conversion charges.** _
For your convenience, we have blocked Dynamic Currency Transactions. However, in rare instances the merchant can charge markup and send the transaction as a normal transaction.
We advise you to be cautious and always insist on paying in the local currency of the country you are visiting. The charge slip will clearly indicate the merchant charges in case of charging markup fees in the transaction with your consent.
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### Author:  [@Bhuvi](https://community.goniyo.com/u/Bhuvi)
#### Post date: [July 17, 2022, 5:59am UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/2 "2022-07-17T05:59:26Z")
Hi all,
I recently visited thailand and carrying my Niyo Global Card, I tried to withdraw money from the Visa Compatible ATMs but the transaction got failed over and over again at almost all the ATMs and I received the notification saying DCC blocked.
This was really frustrating that I was not able to withdraw money even though I was having it in my card with all the international channels enabled and limits set right.
Fortunately I had other credit cards with which I had to withdraw money and had to pay a huge transaction fee everytime I withdrew. There was no response from the chat support as well.
If anyone faced this issue then I would request the Niyo Global Card team to provide a resolution on this.
Regards,
Bhuvanesh
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### Author:  [@Ranjith](https://community.goniyo.com/u/Ranjith)
#### Post date: [July 17, 2022, 7:08am UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/3 "2022-07-17T07:08:47Z")
Hi @Bhuvi
A warm welcome to our Niyo community š
We certainly understand your discontent. Rest assured, weāre here to guide you. This platform is specifically for our users to express, explore, and identify solutions to your queries. Hope the above post clarifies your concern.
Gracias,
Ranjith
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### Author:  [@Bhuvi](https://community.goniyo.com/u/Bhuvi)
#### Post date: [July 17, 2022, 9:59am UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/4 "2022-07-17T09:59:45Z")
I totally understand this but my concern is a bit different here, I tried to select the other option (Continue without conversion) as well while withdrawing money still I got the same error and I couldnāt withdraw it at all.
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### Author:  [@Saksham\_Agarwal](https://community.goniyo.com/u/Saksham_Agarwal)
#### Post date: [July 19, 2022, 7:27am UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/5 "2022-07-19T07:27:56Z")
Hi @Bhuvi Can you share your mobile number with us, we will run a quick check from our end on what went wrong?
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### Author:  [@Bhuvi](https://community.goniyo.com/u/Bhuvi)
#### Post date: [July 19, 2022, 1:20pm UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/6 "2022-07-19T13:20:36Z")
+91-7248372797.
FYI, I have also tried to do the transaction on other ATMs and selecting āContinue without conversionā option too but it didnāt work and I was left with only one choice and that is using my credit card and pay 220 THB everytime I transact, I felt really disappointed with Niyo global that why did I bring the Niyo card with me if it was of no use.
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### Author:  [@onsomani](https://community.goniyo.com/u/onsomani)
#### Post date: [July 20, 2022, 3:26am UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/7 "2022-07-20T03:26:24Z")
is this the same issue because a lot of guys have raised this issue on the forum and we still havenāt got a perfect reply
kindly help
[https://community.goniyo.com/t/surcharge-on-niyo-global-card/11438](https://community.goniyo.com/t/surcharge-on-niyo-global-card/11438)
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### Author:  [@Saksham\_Agarwal](https://community.goniyo.com/u/Saksham_Agarwal)
#### Post date: [July 21, 2022, 8:29am UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/8 "2022-07-21T08:29:07Z")
Hi @Bhuvi just want to clarify something. I see that all the transactions that were you were trying to do from the ATM were declined cause of DCC. This just means that you were trying to withdraw in INR and it got declined because we didnāt want to charge you extra for the conversion.
After that once you selected āContinue without conversionā I guess the ATM wasnāt capable of doing that. I hope this answers your query.
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### Author:  [@Bhuvi](https://community.goniyo.com/u/Bhuvi)
#### Post date: [July 21, 2022, 12:24pm UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/9 "2022-07-21T12:24:27Z")
Ok but what is the solution then what if someone needed that money even when they had to pay this charge ?
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### Author:  [@Krishna\_Singh](https://community.goniyo.com/u/Krishna_Singh)
#### Post date: [June 28, 2025, 6:45pm UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/10 "2025-06-28T18:45:55Z")
Dynamic Currency Conversion (DCC) is when a foreign merchant or ATM offers to charge your purchase in your home currency (INR) instead of the local one. Sounds easy, but they sneak in a markup sometimes up to 7ā12%.
Niyo Global card automatically blocks DCC. That means if someone tries to charge you in INR, it gets declined. You must pay in the local currency. Niyo does this to save you from surprise markups.
So it seems rude at first like a friend shutting you down but trust it. Itās your best protection against hidden fees.
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### Author:  [@SuryaK.inc](https://community.goniyo.com/u/SuryaK.inc)
#### Post date: [June 29, 2025, 1:13pm UTC](https://community.goniyo.com/t/what-is-dynamic-currency-conversion-dcc-and-why-are-they-declined-on-your-niyo-global-card/12406/11 "2025-06-29T13:13:02Z")
Hi @Krishna_Singh,
Well explained! š” Dynamic Currency Conversion (DCC) can quietly add hefty charges to your transaction. Niyo Global proactively blocks such INR charges abroad to protect users from these hidden markupsāso if it declines a payment in INR, itās actually looking out for your wallet.
Always opt for the local currency when paying overseasāitās the smarter, fee-free way to go. š³š