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[QUOTE="DoughnutANZ, post: 1222552, member: 87627"] I bypass these issues by getting a Wise debit card. The Wise card is generally cheaper for currency exchange (that was their original reason for existing) and comes with their own app. The app is not tied to a particular telephone number but rather to the unique ID within your mobile phone. Wise also have a series of partnerships with ATM providers and in some cases I am able to take out cash without fees up to a relatively low monthly limit. However when I spend money using the Wise card I always spend it in Euros. At least one of the credit card payment networks within Spain try to trick holders of international cards into spending money in their home currency and charging huge exchange fees.* The Wise card is recognised as a European card and so this never happens with a Wise card. * The particular card payment network defaults to your home currency on the terminal and so if you simply accept the payment then it happens in your home currency. When you try to use Euros this network forces you to answer a second question that is phrased as a double negative and so if you are not very careful then again you are charged in your home currency 😞 This happened to me a couple of times back in the days when I used my home credit card. The first time I didn't spot it and ended up with a huge charge, the second time I was more careful but ended up spending a couple of minutes understanding the double negative question. During that time the restaurant owners got frustrated with the time I was taking and answered the question for me with the default! This resulted in a heated conversation between us in my broken Spanish and their broken English. [/QUOTE]
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