THIS ATM WILL TRICK YOU! DIRTY TRICK EXPOSED (Honest Guide)

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If you thought using ATM was safe, better watch this video so you won't fall for this trick!!! This company Euronet is all around Europe so watch out. Not only they would give you a bad rate, but they would also charge you a fee. It's easy to spot them as they're only marked with "ATM" sign. Find a regular ATM by a bank instead. Always decline conversion rate offered by the atm. If you're asked if you want to pay in local currency or your home currency, always choose "local currency" option.
Learn more about the issue on our blog:
honest.blog/20...
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[@SuccessforLifester]

And many of these ATMs are illegal installations. They damaged historical building all over Europe

[@Stormfox93]

Indeed, makes it double the problem

[@hellcatz25]

200 like

[@warmvibes5705]

666 like

[@c.powell8472]

How can they illegally install them?

[@SuccessforLifester]

@@c.powell8472 By law they need to seek approval but they were not given and yet, they proceeded to install it. And the authorities also didn't pursue.

[@nleak92]

Not all hero’s wear capes, some wear glasses and a beard

[@martinmena4625]

Lmao

[@slappy8941]

"Heroes". Not everything that ends with an "s" gets an apostrophe.

[@Chasefanandluffyfam]

Is that clark ken

[@blendxrr]

wear a beard>?

[@bradleycooper7698]

You don't wear a beard idiot.

[@nomadasaurus]

Warning about this ATM - They even rip you off if you decline the conversion. We recently used one in Prague, and avoided the high withdrawal suggestions and shitty currency conversion offer, instead choosing 2000 CZK and declining the currency conversion. However when we checked our bank statement afterwards, they charged us the equivalent of 2376 CZK! Our bank card has zero international fees, so Euronet still scammed us about 20%. Avoid at all costs.

[@Booyamakashi]

I think just because you declined conversion by euronet, doesnt mean it didnt have to be converted, hence the difference. Also, part of the 376 added cost was a fee.

[@efcf-gf5uq]

@@Booyamakashi Sounds logical, it's about 14,50 EUR in fees in that case. For a 77 EUR withdrawal, that's still a very high fee though

[@joshdoo6813]

Go with ING they rebate ATM fees and charge no fees for international transactions

[@jewellui]

Booyamakashi what you said doesn’t make sense, how can anyone know the fee then?

[@igstah]

The fact that ur card has zero international fees sadly means only that your bank does not charge you when withdrawing money abroad. Still, the foreign bank can and probably will charge you. So much for your bank advertising "no charge on international withdrawals".

[@roncatton7101]

Well done for exposing these scams on public/tourists. The more who know about these things, the more that can boycott using them!

[@amouryf]

annoying thing is now its not only euronet, euronet opened a big counterpart called ria money transfer

[@henlo8325]

"Don't worry, Prague is a very safe and beautiful city, but look at these 3748283 videos of how you will be ripped off here as a tourist." Hahaha

[@midnmusic2217]

You mean every city in the world?

[@henlo8325]

Der Pwny I live in Europe... in Germany it‘s Not nearly as bad

[@pancakezzzz_]

@@henlo8325 these problems are all over Europe including Germany

[@Thunderaz]

Laszlo Chiriac search em

[@liltroglodyte5830]

stam gkou I mean you can be ripped off as a tourist in any city of the world it shouldn’t stop you from traveling. Just be attentive and don’t get scammed...

[@mr.vegeta1212]

3:23 speaking of sketchy transactions , pay attention to the right side of your screen 😂

[@Wilburbruh]

California E92 good eye lmao probably some stolen goods!!

[@revelbangtanexo2642]

what were they even doing & the fact that they were looking at the camera too shsjjs

[@jimmytrinh95]

I was looking at that too, hoping to see it in the comment section.

[@neilansiva6007]

😂😂😂😂😂😂

[@joepotentier]

😂😂

[@Tipko]

On a funny note; EUROnet is an American company

[@e1woqf]

Not surprising...

[@calvinjonathanganadhi981]

Should be amerinet

[@thrawn-ys9hf]

so much for the intelligence of the EU if they get scammed so easily by the "Dumb Americans". . . .

[@carina8916]

@thrawn444444 there are not only European People visiting Prague 🤦🏼‍♀️ a lot of international tourist come to this wonderful city every year

[@MoYammaBatFitch]

thrawn4444 how Ironic calling them the dumb ones 😂 EU is shit

[@keeech1984]

Thank you so much for this video. I was recently in Rome and had to withdraw some emergency cash and one such ATM was the only option. When I reached the conversion screen, I somehow remembered to click on the “decline conversion” button and that is when I realized I would have surely been scammed as the offered conversion was 25% higher. I thank you again, my friend!

[@ryanlindsay7360]

This is legit. When I was in Japan paying for my hotel after checking out I always had the option to pay with my card in Japanese or my home countries currency. I asked the guy what difference it made and he straight up told me it's always cheaper when you pay with the local currency. All businesses take advantage of foreigners

[@mchvz_]

I was in japan aswell and I usually used the ATM, the minimum amount to take out was $10,000 jpy which to me was fine for a few days, however, I didn't review the conversion, I guess I was a fool 😕 (or maybe they didn't charge me much).

[@martinj9268]

It is possible some legit businesses would logically charge you less to pay in their native currency. I mean think about it, say you own a business in Mexico and someone comes in and pays with some Vietnamese Dong... That money is of absolutely no use to you unless you plan on going to Vietnam anytime soon, so you are only taking it out of convenience for your customer, thus you'd charge what is known as a *convenience fee* and on top of that it is *inconveniencing* you or one of your employees who is now tasked with going to convert the money to a currency useful to your business which means you will then be the one paying the fee for conversion and obviously will need to account for the inconvenience to you and conversion rate in the price they're paying. Even if you pay with a credit card they are still then being charged a fee through the processing company and getting their conversion rate. That's not to say there aren't always plenty of people trying to get over on tourist who expect them to be too dumb to do simple math to really understand how much they're spending or just not know any better, but in many places you will definitely pay less by paying in local currency

[@carpediem6568]

It would help if the US dollar hadn't lost so much value because Republicans have run up so much national debt. They've bankrupted the country and are continuing to do it right now. It never ends with them, like a non stop self destruct machine.

[@mikeries8549]

@@martinj9268 you explained that so well that you must work for a bank you pos.

[@martinj9268]

@@mikeries8549 Good one? Or maybe, and just hear me out here, but maybe I simply have this thing people these days seem to be frequently lacking. I think it's something most people would refer to as *common sense* ? Perhaps it's that and the fact I've been working closely with vendors and manufactuerers from all over the globe for over a decade, and because of this I have a fair amount of experience in the logistics and financial pitfalls involved in accepting anything other than your preferred method of payment you're most familiar with - i.e. native currency. Honestly it's kind of unfortunate to me that in your mind someone requires some special insider knowledge in order to grasp the simple logic in being charged a convenience fee in return for a business accepting something which in the end they will need to pay a fee on and waste time with, simply to convenience you.

[@SqueekyBums]

So, ATM thieves, only target this type of machine. Poetic justice.

[@ferguson20diesel49]

Ill send I Irish over. Experts at it

[@yissssss]

@The Armchair Spaceman Edgy as fuck.

[@shweeps]

@The Armchair Spaceman We got a tough guy over here! See? Nobody cares

[@iamthelichking8522]

@@shweeps I CARE....wait..what are we talking about?

[@shweeps]

@The Armchair Spaceman I mean, if that's how you feel, that's fine and all. But at least when you're insulting someone, form cohesive sentences. Otherwise you just look more moronic than you already are.

[@OttoStrawanzinger]

Here in Berlin, there were cases of tourists putting in their card into EuroNet ATMs, realized how bad the conditions were, and cancelled the transaction. They were still charged 50€ for not getting any money out. They eventually did get the money back, but there is definitely something very sleazy about EuroNet cash machines. I‘m surprised they haven‘t been declared to be fraudulent yet, because that‘s what they seem to me.

[@divadsn]

Well, even I got ripped off when I tried to withdraw my local currency from my Revolut account using a Euronet ATM on the beach, declined conversion but still got charged 16 zł fees (when withdrawing 50 zł), because the Revolut card is seen as a foreign which is ridiculous.

[@flopunkt3665]

@@divadsn But they must always give you the option to cancel the operation without charging anything at all. It's the law.

[@HardstyleInfect]

@@flopunkt3665 Yep, but you won't find out if there will be any fee or not untill you already have the money withdrawn.

[@flopunkt3665]

@@HardstyleInfect Hmm ok. I always thought that fees by the ATM had to be shown on the display. Are you sure those fees were not charged by your own bank or card company?

[@id104335409]

Euronet obviously belongs to people who are connected in the government. They pay parts from that stolen cash for the right to operate undesputed and above the law. So no, they will not be declared illegal. They are best friends.

[@billyandriam]

Totally makes sense. Paypal and Amazon does the exact same trick when you order something online with a foreign card. They will give you a bad rate. I always decline the upfront conversion rate and choose to order with my card's native currency instead. It has saved me a lot!!

[@naomikhalif6954]

How do you do it? I use Also Amazon and a visa card when order online. How?

[@antonhelsgaun]

​@@naomikhalif6954you just click the button where it says to charge in local currency

[@counterleo]

With PayPal it’s really annoying, it will apply bad conversion without asking, unless you log into your account, go to the Money Settings / Wallet tab and actually edit your card’s currency to match the order’s currency. (Your bank will charge you for the FX but still better than PayPal’s rate). It’s bad because it breaks the payment flow because during checkout you have to log in on a new tab to do this trick. Most people are either ignorant or lazy to do that, hence PayPal makes money.

[@theschmoe01]

You just have a crappy credit card without free foreign transaction fees. Sign up for something like the apple card.

[@counterleo]

@@theschmoe01 No, it’s PayPal and Amazon. They auto detect your card’s currency and apply conversion at a bad rate forcibly, without offering you the option to charge your card in the basket’s currency and let your bank handle the FX. You have to first log in to your account, navigate to the settings and payment methods page, edit your card info and edit the card’s currency to put the foreign currency in place of yours, and then do your purchase.

[@WeDontReallyLikeU]

3:21 My man on the right (Janeks left) pushing some stolen energy drinks.

[@Maniwasaki]

nicely caught in the act

[@davidjr3769]

Dapping Dapper great spot lmao , looking right at the camera like oh shit

[@patriciepopova8357]

Lol :D :D :D :D nice catch

[@ogK2024]

Wow good spotting. It sure looks dodgy...

[@BDCKavalaGroup]

Hahah how you put a 32 pack if soft drinks in your bag without getting noticed? Hahah

[@Vickypedia1985]

These ATMs are also here all over Berlin. I am usually calling them "Geldräuberautomaten", a word composed of "money", "thief" and "automaton".

[@mindlesscargo]

Phoenix, die deutschen Sprache ist schön. Du bist die hassliche.

[@GizoVtuber]

@@fransman4957 isn't your language a mix between English and German? yours kinda sounds like a goblin language if you ask me

[@joy_grgs762]

@@mindlesscargo no it isn't hahahaha

[@brokenredbench96]

Mindlesscargo nah m8. Die deutschen Sprache klingt soo hart. Like it sounds harsh. Aber die Grammatik ist interessant.

[@JozeManuLOL]

@@fransman4957 You're an asshole you know?

[@Twitter_Posts]

What I’ve learned from these ATM machines: 1. Pull the green card reader to make sure it’s real 2. They scam you 3. Many of them are illegally placed

[@Fume1337]

yeah thats what I thought too

[@taehyungsbandana3719]

what do you mean pull the green card reader?

[@Twitter_Posts]

Taehyung's Bandana some people put a fake card reader over the original one, but the fake one is a shell that takes the credit card information Video demo: kzbin.info/www/bejne/op2Xl2ONntJnpq8

[@lyth1um]

skimming. sometimes they replace them and just glue them in cheaply. they coping the magnet stripe and copy it to blank magnet card, then go somewhere else where the chip isnt used and withdraw it. search for ec-skimming, but nowdays it getting less because default bankaccounts only allow payment/withdrawels with chip enabled. they read the magnet stripe and chip and if a copy used without the chip, it wont work anymore. and also someone has to be near the skimming device to airgap it. if you see it, call cops and say, someone is skimming at that atm. and they search the surroundings.also pull on the digitpad. skimmers still need the pin. so pulling on the keyboard and see if its glued on. then cover the keyboard when entering the pin.

[@lovely-mk4rt]

Twitter Posts Thank you. I just learned how not to get ripped off!!!!

[@KryptoKiddi]

3:21 to the right of Janeks *Selling alcohol to minor* Guy (adult): “Don’t look now but I think we’re on camera” Girl (minor): Instantly looks right into the lens

[@nahushmodak1003]

😮🤘

[@174b9]

Thought it was drugs but then I saw the cans.

[@JohnDoe-yq8ox]

Ha, awesome observation.

[@Raul.4o8]

Dude ur so smart

[@CuriousPavel]

it's funny how he acknowledges the camera and still goes through with the sale :D

[@eken1725]

When I was in Tenerife, my mom told me about using local currency when paying with a debit card, but I accidentally forgot which one to pick, and when the guy I was buying from saw that I was about to pick my currency at home, he was quick to tell me not to do that. He really saved me a few extra euros and I appreciate it. He's what people should be like, giving helpfull advice and not making me pay extra.

[@rivenadeshizzle]

This happens on ATMs and payment terminals around the world. Rule of thumb: ALWAYS choose to pay in LOCAL currency and ALWAYS DECLINE any conversion.

[@thebasketballhistorian3291]

35% is ridiculous though and an outright scam. Such a rate should be illegal.

[@Zretgul_timerunner]

@@thebasketballhistorian3291 they actually are As long as you dont accept it the terms which "legalize" it. After all banks are not the average joes friend.

[@JoaoMiguel-gb4qv]

From my experience as I process foreign credit cards in Brazil (and when I travel) they charge you more if you pay in the local currency. Even credit card processor they sent me to charge in a local currency and gain exchange commission. So I disagree with the video and I advise you to pay always by your credit card currency.

[@Zretgul_timerunner]

@@JoaoMiguel-gb4qv well i disagree heavily, being partially from Czech republic, and in all my travels the rates always favour the local currencies

[@michaelwilson8443]

@@JoaoMiguel-gb4qv you're so wrong everybody who does a fair amount of travelling knows to use the local rate, if you use your counties rate the ATM or establishment sets the rate to sell it to you and they make money from the extra charge. It's been on the news plenty of times with financial experts and travel experts advising to use the local rate

[@travp7688]

Not enough honest guys around. There are so many scammers, it is unbelievable. More than a person would ever think. Luckily, there are good, honest people out there too.

[@aRandomFox00]

​@@DanN-nv7kg Do you blame the victim for falling for the scam and not the scammer for running it?

[@DanielZloczower]

You are completely right, EURONET ATMs are taking terribly high fees, it's an unfair business practice, dishonest. I hope as many travelers as possible will watch this video and wont ever use EURONET ATM chain.

[@grimfaith]

Euronet: Creates an effective way to scam people. Honest guide: I'm about the end this man's whole career.

[@mrlahey5995]

Probably retired anyway

[@invicious8772]

Copyright originality 00000

[@tylerlabrousse8050]

But I'm not a rapper

[@GoogleGoogle-fd6do]

More stupid shit memes

[@billy-ps7jz]

20,000 CZK is like 900 USD. Even bank machines in the US don't allow you to take out more than $400 usd at a time

[@christianwetzel2199]

the citibank atm in my home town in germany gave me up to 2000 euro

[@IdrissAlMiqdad]

Christian Wetzel Germany is special. Germans usually use cash. In France we use more our credit card. Two different mentalies.

[@POLO9999]

In Belgium the average of withdraw limit is topped at 650€ which is usually the daily limit of Belgian banks.

[@tyrgoossens]

​@@POLO9999 Yeah so it's doubly strange that they mention CSOB, a subsidiary of our own KBC, as also misleading people in this way. Shame on them.

[@POLO9999]

@@tyrgoossens That's right... That confused me too.

[@abdull857]

Well my bank balance is always zero so i dont need to worry about that lol😂😂😂

[@nabilhasan739]

Yeah but should i worried about ur life? Haha

[@fraskerfindeth8993]

I'm 15,and I don't have money either ._.

[@vexixyt8137]

Cause u spent on pubG?

[@boxerchester8920]

69 likes my man noice

[@classical7]

Same 😂😂😂

[@HakanMB]

In Denmark, they used to allow only Dancard, its their national cardsystem, competing against Visa/Mastercard. So you went to Denmark, went to store "No, you cant pay here with your Visa, only Dancard!", then you had to use their atm with transfer fees as shown in this video. Nowaday most stores accepts Visa/Mastercard.

[@andersbuchjeppesen5493]

I am a young adult Dane and I’ve never heard about this, so it must be long gone. The Mastercard is for young people and has its own separate payment category (you can’t withdraw over your balance). The visacard+dancard (for adults) is always grouped together in payment options, so if you can pay with either one, then you can pay with the other as well.

[@TheRealDuckofDeath]

@@andersbuchjeppesen5493 It wasn't _that_ many years ago. 😅 It was a really fraudulent system the Danish authorities just let happen for decades. It was technically not illegal for merchants to accept VISA or Mastercard, they just couldn't afford it as the fees for the merchants were so much higher. That changed around 2005, when EU banned fraudulent abuse like that.

[@Fiddesh88]

I remember this 😂 went from Helsingborg to Helsingör over the day and wanted to eat and pay with my card. Had to go to an atm to pay for the food 😂 was like 15 years ago or so

[@GreenOliveBranch]

similar in the netherlands, most places take only Maestro

[@J0HN_D03]

Not surprised... denmark is a TAX HAVEN. Rogue state. 🤬

[@VolpeWhereAreYou]

Simply decline the pay in local, amazon in foreign countries does the same thing. ALWAYS GO LOCAL

[@kronomcs]

Volpe Where Are You damn your verified

[@HistoricallyProven]

Volpe Where Are You 1st reply and hiiii

[@SouravDas-wu5ev]

Hi El patron! Love from India. Love your vlogs

[@annother3350]

^^ Yeh, decline or go local?!?!

[@annother3350]

@@maxitaxi6484 Volpe says 'decline the pay in local'

[@Marcel1979K]

Wow, thx for this video. In Cologne, Germany they are placed in nearly every "kiosk" area in the city centre. I will try to inform tourists next time and be a honest guide cologne *G*

[@ovaltineforlife4778]

tape a fish to it

[@roflin101]

Well done mate, There should be more people like you.

[@tongobong1]

I wonder what is police doing? Aren't they paid to prevent such frauds?

[@shrF-qz1qv]

@@tongobong1 technically it is not a fraud, it is legal.

[@tongobong1]

@@shrF-qz1qv then what are legislators doing? They should put sane limits to how much currency conversion and withdrawing of cash on ATMs can cost.

[@TransparentMediaTruth]

Gabriel Traveler covered this as well ..3+ yrs ago

[@ZariainYT]

Well, they dgaf & simply keep sacmming tourists... It's common sense to always exchange enough currency (Via reliable local banks/currency exchange shops) before going to other countries tbh

[@hellotorin]

It'd be great if the ATM displayed a message on the screen saying "Get that camera out my face!" and started wobbling away.

[@WerewolfLord]

Same with Paypal. If buying stuff on eBay, I'd decline the Paypal conversion rate into my local currency, and let my bank make the conversion at their rate instead.

[@CamilleonProductions]

Yep. I'm Australian so I do this all the time when buying stuff from the UK and US. My bank is still crap but at least its better than PayPal.

[@martinj9268]

It's probably worth avoiding PayPal completely. Most stuff is cheaper on AliExpress is usually cheaper anyway and has far better buyer protection than eBay/paypal

[@user-ge4uk9ui8y]

@@martinj9268 ebay protection is so good i can just scam sellers by saying it didn't arrive or it was damaged even if package tracking shows otherwise.

[@martinj9268]

@@user-ge4uk9ui8y it's pretty bad when you have to lie about how much of a degenerate you are. www.ebay.com/help/selling/managing-returns-refunds/helping-buyers-items-not-received?id=4116 Direct quote: "If a buyer doesn't receive their item, they're entitled to a refund *unless you can provide tracking information showing that it was delivered.* "... You were saying?

[@riderviper]

Same. It was the first thing I was taught when paying online.

[@dfjsdz]

Man, if there is one person like you in every major city it would be a much better world. THANKS

[@fabianripke8212]

So happy you made this video!! I’m a student in Prague and I’ve been withdrawing money from a Euronet ATM right where I live for a several months!! Ugh. Now I know where not to go! Thank you so much and keep up with your videos. //top fan

[@fsruiz64]

Fabian Ripke Janek and Honza are saving you money :)

[@MrsRen]

You always want to charge cards in local currency regardless of where you are in the world because your bank will do better by you than theirs. I used the ATM across from Palladium, right at the tram stop. I thing it was directly attached to a bank. The lady from the exchange program I used recommended that one.

[@fabianripke8212]

Deadzio will def check it out! :-))

[@goqsane]

@@deadzio he's probably German, they have a better bank there, something with numbers. Same concept like Revolut. I have Revolut Premium even. Love it.

[@goqsane]

@@deadzio Yes. I know that. But it's the same in the Netherlands, Belgium, etc. Those countries are at least a decade behind Eastern Europe in terms of banking. Still, that bank I'm talking about (N26) is as good as Revolut and is based in Germany.

[@LenHarms]

What I learned: Stay home, never leave home, home is safe.

[@shakesfirst2443]

That isn't about money these days. There's a fucking pandemic.

[@LenHarms]

@@shakesfirst2443 I wasn't even talking about the pandemic, I've seen the movie ''Hostel".

[@shakesfirst2443]

@@LenHarms Shit just keeps getting worse.

[@Moon-ge8mc]

Shakes First there isnt 🙄

[@shakesfirst2443]

@@Moon-ge8mc Oh good, some random f()ckwit on KZbin is making up lies in the face of entire medical science. I feel so much better now.

[@leftbackgeorge]

I went to Prague this summer and tried to withdraw cash, luckily I checked the exchange rates and I couldn't believe it! So I just ended up paying for everything with my card, was fine, just meant I never got to see Czech cash:/

[@paisleybuddie5096]

I was in Prague in January and had a Revolut card loaded with GBP converted to CzK through their app. I used Fio Bank, CSOB and KB ATMs and received exactly the amount of CzK requested with no fees. A friend used a Raiffeisen ATM (again Revolut card loaded with CzK), it also dispensed with no fees. However he also used a Ceska Sporitelna ATM (corner of Narodni/Na Perstyne),withdrew 500 CzK and was charged a total of 669CzK!!! So, do not use Ceska Sporitelna ATMs, they will rob you of 169CzK (around £7)!!!

[@havingteawiththedevil]

Eh, call me paranoid, but i would automatically be weary of putting any kind of card into a foreign atm as a tourist.

[@abdul.rawi215]

That is just being smart

[@Sp4wnEffect]

It's an American company, but I guess you mean in a foreign country, not the machine itself...

[@DiogoSilva-lf2oc]

There are proper atms in Portugal for portuguese credit/debt cards and for tourists too but like always you need to pay fee to use the tourist one . My family never uses it as we have portuguese credit/ debit cards. It is not a scam , it depends which machine you are using and the country too .

[@arthurvasco8626]

Generally in the EU all atms are safe except euronet. Here in Portugal you can use multibanco and not worry about anything

[@lenkajunova7419]

I used local banks' ATMs when travelling around Europe, so far I have not had problem with crazy conversion rates or suggesting of very high amounts for withdrawals. It takes no time to just check exchange rates and average costs of basic stuff or living expenses before you go for a trip somewhere. I would be more careful about exchange offices, especially in Prague :-D

[@cherishaurely2514]

These ATMs are present in Turin’s main train station, Torino Porta Nuova. Such a shame that the government allows them there. Hell, they were the ones who authorized it.

[@harddiskkosong3661]

I wish i found this video before i went to Hungary. I had this student mobility program in Hungary and I didn't know even slightest information regarding live in Europe especially Hungary.. or in general abroad. I had not had ever been abroad before. I realised that Euronet has dirty conversion rate after my professor's sister told me. Then i checked it again, it is true. After that i tried every single local ATM in Hungary. Then i found Budapest Bank is the lowest. Thanks Budapest Bank, you'll be remembered for my whole life 😘

[@void2662]

Oh shit I’ll go to Hungary next month vor almost a year. I have no clue how I can exchange money safely there

[@harddiskkosong3661]

@@void2662 you can watch this video.. just don't take your money from euro net.. the rate is disgusting. You can try search for local bank in Hungary in google. But for me Budapest bank is the best. In what city you are going to stay?

[@MillennialTravelConfessions]

You're doing a great job in making Prague a better place for tourists, fantastic work! 👍

[@MarvinCZ]

When I was withdrawing money from a German ATM at an Autobahn rest area, I had to decline the ATM's exchange rate three times on three different screens. It was asking 3 variations of "do you accept our rates" or "do you want to proceed without our rates", so the "correct" answer was "no" on one screen, "yes" on another, depending on the wording of each screen. I avoided the conversion but they still hit me with a €5 fee.

[@flopunkt3665]

Do you remember the company? Was it Euronet? Or maybe Reisebank?

[@MarvinCZ]

@@flopunkt3665 I can't remember the ATM company, I just remember the place - it was in the restaurant at Börde Nord (near Magdeburg). It might have been Euronet from the few bad photos of the place I found online.

[@kiel9136]

@@MarvinCZ 5 euro is a ''normal'' fee when you use a atm which is not from your bank.Even with my german bankaccount.My account is at the ''ING-Diba Bank'',and when i used last Time a atm of ''Sparkasse'' to get 20 Euro in fact the booked 25 from my account.But that it cost 5 Euro was clearly showed.

[@MarvinCZ]

@@kiel9136 My bank charges me 35 Cents for withdrawal abroad and I know there are at least some ATMS that do not charge a fee. Even then, I was more upset about the insidious way they were pushing DCC than the fee.

[@paty07pata07]

@@MarvinCZ Depends on If you are chardeg by bank of ATMs.

[@AaronAngusRubinstein]

Thanks for this great tip. I had this experience on two ATM in Prenzlauer Berg in Berlin, Germany. Its not just, that the give you horrible exchange fees, they charge you with extra fees for the exchange (EUR 4+) and the inform you that the are not able to make a printed received of our ATM transaction. They take care to leave no paper trail. After fall once for that scam, I made screenshots on second on with the same system. I informed the police and Berlin Ordnungsamt. The shut down the ATM a few days later and there is know a investigation going on in Berlin on fraud against the provider.

[@misium]

Good advice. Always deny conversion. The Euronet machines will rip you off with fees on top of conversions - real tourist traps. They have the decency to inform you of the total cost before they do it - probably due to consumer protection laws in eu. When on Madeira (Portugal) I spent some time to find a normal ATM that locals were using and found one in the supermarket. It worked pretty much the same and also gave me total cost before finalizing. Needless to say it was much cheaper than those Euronet shitboxes.

[@croft-tom1631]

Problem is I think that they charge you the fee even if you decline the conversion, although the fee is listed on the same screen where you press the decline button (if it's the same fee), so the decline button should also relate to the listed fee.

[@antoniohousemusichdtv]

57 taxi drivers disliked this video! :P

[@kubyasek1406]

@Provocateur Ale máte metro? xD

[@paty07pata07]

@@kubyasek1406 Metro mají, tak přestaňte s těmi trapnými vtípky www.oknoplus.sk/wp-content/uploads/2017/06/metro-devinska-nova-ves-bratislava_024-400x400.jpg

[@kubyasek1406]

@@paty07pata07 xDDDD

[@ishanpriyadarshi9187]

@Provocateur I loved Bratislava, and ROXOR

[@krompirusa100]

You will need that money if you have misfortune to get illegal taxi in Prague.

[@RickSigma]

Why do I even find these videos fun? I have never gone to Czech Republic and have no plans to do it? I just watch them for some reason

[@billy-ps7jz]

hehe me too, but I want to go soon. ive only been to hungary, italy, netherlands, germany, and the UK

[@kapuraftw]

Ditto. This channel does an amazing job though- Czech Republic wasnt even on my radar of places to go until these vids sparked my interest...

[@romer_cze8771]

I live in Czech Republic and I'm watching this too, ya'll never know when you gonna need it.

[@martinsnobr3575]

Come!

[@RickSigma]

Martin2035 I would but I’m broke lol

[@leewest356]

It’s not just Euronet. Here in México, all banks have that deceptive screen asking you if you wish to withdraw at a very disadvantageous rate. The screen says Accept or Decline, just like in the video. All you have to do is decline their stupid offer, and the transaction will continue and you will receive an exchange rate very close to the correct rate of the day. Today I got my money at 17.01 pesos to the dollar and the official rate was 17.11. Very close. The offer they made would have cost me 40 dollars more than what I paid to withdraw 10,000 pesos.

[@aa-lk6jy]

G approved means they don't care about u

[@vrborrelli]

It wouldnt trick me because i have $10 in my debit card 🙃

[@nataliem9667]

😂😂😂 Funny!

[@letsbehonest4221]

Thats $9 more then i have

[@nebula534]

@@letsbehonest4221 holy moly you have 999999 money then i have!

[@jcrowley1985]

Make sure you have overdraft protection turned off or you get charged Bank fees on top of this scam.

[@loweffortgaming2593]

I'll take that 35% off your hands if you like. ($6.50. Lunch.)

[@vagabond7883]

Thanks Janek & Honza for the heads up! I'm surprised the local authorities allow scammers to rob tourists in this manner. We will remember EURONET and follow your good advice!

[@RadhaKumari-ut8ko]

When your bank balance is lower then minimum option : I have no such weakness

[@counterleo]

Always withdraw in the local currency, decline conversion. In shops too, ask to be charged in the local currency. Your bank might give you a bad rate but still always better than ATM’s and POS’s.

[@K3DK]

Same here. Using danish card or Revolut: Euronet is charging (stealing) 15-20% of transaction value if you are using conversion. Tried mostly in Poland, and another countries. REMEMBER EVERYONE: LOCAL CURRENCY. ALWAYS!

[@GravityFromAbove]

Thanks for doing this one Janek. I mentioned in another comment that I was really suspicious of these things at the train station. I did find a bank that had a good ATM. And yes I always reject the conversions. Thanks for underlining this and explaining why. And I'm going to pass this one to a friend going to Prague this week.

[@abdullaabdulaziz7919]

Just came back from Prague and I withdrew 10000 czk out of that ATM Machine. Feels bad to watch this vid now😅

[@wtfstudioinc.1827]

Damn.. feel sorry for you bro..

[@wtfstudioinc.1827]

Gelar Pradipta how do you know he is rich?

[@wtfstudioinc.1827]

Gelar Pradipta go fuck yourself.

[@EndingTimes0]

@@well_as_an_expert_id_say he's probably right lol

[@abdullaabdulaziz7919]

@ 🤣🤣

[@GamingMylo]

thanks to this channel Im never stepping a foot on Prague nor the Czech Republic, just like the blond dude that does about the same but on India, another channel that has helped me avoid a headache

[@hanasikova8634]

A trick that works in Prague and perhaps somewhere else: we do not use the word ATM. we use "bankomat" (bankmachine), so if you encounter a "bankomat", you should be safe-ish. I believe this would work elsewhere as well, since the huge sign ATM is directed at tourists (ehm, Americans...sorry)

[@flopunkt3665]

In Austria it's also called Bankomat. In Italy, Switzerland and Luxembourg it's Bancomat. And in Germany it's Geldautomat.

[@dominikobora5385]

its also bankomat in poland

[@hanasikova8634]

@@peterjszerszen Only a few, and mostly for travellers, most places have their own washing machines (but not dryers, we don't use those)

[@0235681956]

Tough luck, jn Greece it has the exact same initials, ATM. But here we don't have any money to withdraw so it's ok lol 😂

[@well_as_an_expert_id_say]

@@hanasikova8634 how would you dry clothes in cold temperatures?

[@user-hf4cl7wc9w]

I am avoiding "Euronet" ATMs even in my home country. I do not know why, but I suspect them in data leak.

[@ibax013]

Donʼt be paranoid, man.

[@user-hf4cl7wc9w]

@@ibax013 Paranoid or not, but after the only usage of Euronet ATM in my country (Bulgaria) all my money were withdrawn from the card. Thanks, the amount was not very big (dinner for 5 or 6 people in a good restaurant), but it was all the money that were in the card. if I did not had another card with the needed money, it would be very uncomfortable. And the card was brand new issued and was not used anywhere else, but that Euronet ATM. Well that was more than 10 years ago, but still I am avoiding these ATMs.

[@BigToro]

@@ibax013 being a little paranoid is fine, anything could be leaked.

[@GustavoTiavo]

I know all about these things. Last year I lived on Gran Canaria and these machines were all over the place. They are fine to use though as long as you decline their conversion, like you said.

[@gandihellfish]

When living in Prague, noticed this too and always declined conversion. Then compared it to a friend who didn't. Huge difference

[@marctube007]

Change money safely at the machines of the Raiffeisenbank (Yellow-Black signs) and the Czech Komerční banka (Red signs) They charge you only the normal rates. ATM is term for tourists so you know right away they ripp you off. Search for BANKOMAT. And also HONEST GUIDE please protest about how horrible all the ATM machines are all over Prague in windows and doors of old houses and shops. Terrible and shame on the beautiful city !

[@Sakkyy]

Revolut doesnt have fee for windrawing abroad, but ATM will still charge you for windrawing money . Also Revolut will give you the best rates, but if you accept ATMs conversion rates, it wont help you, because revolut rates are not used in this case.

[@dresdener78]

Marc, I was last year in the summer in Poland, I left my train at the Szczeczin main rail station: The main hall was FULL of these Euronet ATMs, I think there were 5-6 pieces. I needed some cash and I had to look around really carefully, as the local ATM could be found in a shady place, next to the public toilets, obviously installed so that it would not attract the people arriving to the city for the first time. And in Budapest, I think there are more of these Euronet ATMs than the tram stops! Virtually on every corner.

[@paty07pata07]

​@@deadzio Well you say same thing that's in video... :D

[@wojciechwroblewski7121]

Raiffeisen ATM in Bosnia wanted to charge me an additional fee for the withdrawal. On the other hand, I never had any problems with Euronet (although it offered me crazy conversion rates in Croatia). The lesson here is to always carefully read what the ATM shows you. Brands don't matter because they can work differently in other places.

[@shelekhov]

Both Raiff and Komercni banka use exactly same tricks proposing their own very bad rates.

[@gabor1991]

1. You go to "other amount" and withdraw what you want. 2. You choose "decline conversion" and use your card issuer's rate. That simple.

[@bishhsasspusi2904]

Underrated

[@kdsavage1991]

How about you show us a demonstration on these specific atms since it's that simple

[@kd110]

To all Americans travelers, open a Charles Schwab checking account...no atm fees anywhere in the world! Also only use atms that doesnt ask to confirm conversion rate as they will automatically give you the current one...tricks I learn from my 5 years of travels...stay safe, stay humble!

[@alexrodgers9247]

This type of theft has been going on for many years. Back in the American Express travelers check days, I cashed one $20 check, the bank charged $5…So 25%? Really? Greed is greed, cheaters are cheaters.

[@Shaheem89]

I have the same experience from Germany. Thank you for spreading of the information. Have a nice day

[@taevue]

What would you do with 20,000 crowns. Street pick-up P*rn videos.

[@PradedaCech]

In your own country of course..

[@nikadzhvh1261]

@Another Virtual Identity of Someone Who Isn't Me woooooooooooooosh

[@fartyperson]

@@nikadzhvh1261 stop

[@nikadzhvh1261]

@@fartyperson sToP

[@Th2WolF]

@@nikadzhvh1261 Child

[@alecapin]

If those ATM are placed illegally, it means once destroyed the owner cannot file a complain.

[@bondrewdthelordofdawn3893]

**Picks up sledge hammer** This is big brain time!

[@avyrnia]

@Promaster69 i was thinking that too

[@johnmarkjimenez9175]

Ahh i see hwhehehehehehehs

[@samuelguldager3893]

@Promaster69 obviously not but they can't report it without getting Them selves in troubble. Which they more than likely make enough to not care about, so they would probably make a case out of it regardless the cost - i assume.

[@GB-rb1up]

I watched your video about this scam before I went to Italy. The ATMs did EXACTLY what you said they would. I saved tons of money from your advice. Thank you!

[@stefanosad9524]

PayPal has been abusing that for several years and nobody mentioned! Sometimes there wasn't even option to decline...

[@jerkfck]

PayPal. Not only are they sjw trash they will not defend nor reimburse your money if their accounts get hacked. They are a sham. Everyone should stop using them.

[@Tyler-le6ry]

PayPals rates are not bad at all

[@TvrdakTom]

Sorry mate, Czech people don't use PayPal system.

[@Yue_Jin]

@@jerkfck They'll never give you your money anyway. They literally steal everything they can get. The fact that anyone still uses PayPal is proof that the average human isn't very intelligent.

[@Andrej-tv5uu]

Its not an abuse. They have to put fees so they can live and make profit.

[@Claudio-gv2lz]

Me at the atm: select amount Me : 5£ Atm: no 5£ notes available Me: Fuuuuck

[@nandinhocunha440]

I miss that option

[@Roadent1241]

Yeah, it is annoying that we can't get anything less than £10 now. (We put the sign BEFORE the number XP) Sometimes I just want to pop into Poundland to get a few things, I don't want to have to then carry £7 of change for the 3 things I bought.

[@fruchu]

Something tells me if you would to withdraw 10005 of local currency magickly it would find the 5 bill :)

[@jimjensen9139]

Thanks. I got taken once by them in Portugal. But figured out their tricks. Keep putting this out there to save others.

[@gmnewlook]

Nice tips. Was in Paris at the beginning of the month and I withdrew from big bank ATMs, but in small amounts, twice. €40 and €50 (we were there two weeks). I don't recall having the option of conversion into CAD$ though, but I wouldn't have chosen it.

[@amouryf]

big banks that are worldwide known are always safer but you cant always find them because not all countries have worldwide known banks

[@LifeIsKrazyLIK]

Really good tips man!! I always DECLINE CONVERSION in any country though!!

[@nothing2believe]

No!! Decline conversion means your bank will do the conversion... In some cases it's worst! Especially if the local atm charge big money for foreign withdraw without converting

[@Vladislavbgd]

Thanks for this guide. Didn't know or think, specially, too much about with what currency I am paying my drinks, for example, in a Cafe, using my credit cards. 👌🍻

[@robbybobbijoe]

On the receipt you can see "SEK" which is the swedish currency. Basically a Swedish tourist was there, and got scammed...

[@doge5603]

SEK ME DEK (Sorry I'm immature if you can't tell)

[@creepergamer1055]

@@doge5603 lol

[@cesariruegas8823]

Just withdraw the amount you actually need using a travel card so you get the atm fee reimbursed and decline the conversion so that your own bank does the conversion. Simple as that.

[@davidbourgeois6101]

On top of that when you leaves Pragues you have to convert that extra local money you didnt use and lose more in conversion charge

[@detroit7543]

You mean we can't leave the country with CZK left in out wallet?

[@TrigramThunder]

@@detroit7543 you can buy why would you? You can't spend CZK outside of Czechia. Therefore you're gonna want to spend it all while you're there

[@detroit7543]

@@TrigramThunder or convert them later in a place that offer better conversion to get your local money back. Why spend everything if you already got and feel content with the amount that you spent? You can save the rest for your future vacation plan. As what he said in here, if you withdraw money there you are forced to get excessive amount of money

[@RomireTV]

KZbin put this in my recommendations. I learned something today!

[@justofa1453]

South park reference!

[@Make154]

When too many people discover this is a scam, they'll change their name to Skynet

[@giovannidemey6233]

XD I almost shit my pants hahahahahjaja

[@saschamayer4050]

Good name, sounds trustworthy and friendly.

[@0chxrli3]

I hope judgement day wouldn’t begin

[@tanaka6691]

DetectiveLevi oh no...

[@nnnikirtal3664]

Where is scam?

[@Ben.D.Brugger]

When I was is Ukrain Euronet was the only ATM that allowed me to withdraw the amount I needed so I painfully accepted their conversion. It still hurts...

[@harmonicarchipelgo9351]

If you just select "decline conversion" you get the rate your bank offers, which is generally pretty fair.

[@Ben.D.Brugger]

@@harmonicarchipelgo9351 oh I thought that i couldn't withdraw money if I refused their conversion rate

[@harmonicarchipelgo9351]

@@Ben.D.Brugger live and learn

[@itzkaioken5322]

I remember when I went on holiday to Cyprus I saw these ATM's everywhere and we never went to them we went to a local bank which was great

[@r_a_]

In my opinion you are a warrior for common people. More power to you for exposing these ठग institutions.

[@SilverBullet93GT]

- honest guide relaxing at home *loud door knock* - "Euronet, open up, we just want to talk!!!"

[@BrodiesVlogs]

This trick of declining the conversion rate has helped me all over the world, including many countries outside of Europe

[@animated3433]

Not only Europe, the ATM’s at George Bush Intercontinental Airport in Houston are also Euronet

[@ntelas46]

That's because airports act as neutral earth or something like that. So it's not considered US there.

[@flopunkt3665]

@@ntelas46 Euronet is an American company btw

[@ntelas46]

welp, that's weird. I have no clue about the company, I just wanted to state the airport thing. As it turned out, I was probably wrong.

[@flopunkt3665]

@@ntelas46 Sorry to burst your bubble, but Euronet operates on basically all continents.

[@ntelas46]

i already replied. I had no clue and still dont have. I just wanted to mention the airport thing.

[@angrybirdsandy5041]

The local businesses are being screwed as much as the tourists by this scam! 😡😡😡

[@barryhernandez6428]

That ATM must have been hanging out with my ex-wife & her mother. 😟

[@sustainablesolutions7976]

Thanks a lot, I didn't know what the difference was between local or foreign currency when paying. We noticed the bad currency conversion rate in Romania, absolutely horrible, but at that moment, we had to pay cash, so we had no choice... But for the future, we will be know.

[@kaldira7561]

sadly we JUST got one set up on my island in denmark... i warn everyone about it. they might take it down cuz noone uses it (on my island everyone talks to everyone so after a few days everyone knows its a scam, only non danish ppl use it. aaaand someone made a sticker for tourists where it says it scams you!)

[@razvan19010]

I think its only a scam for tourists with foreign cards. I used an euronet atm twice to withdraw some money in Bucharest (my hometown) and did not get scammed.

[@marianrolnik3168]

Když jsem ještě pracoval v KFC, také jsem vždy radil, aby platili v místní měně. Šťastné pohledy cizinců a průpovídky o místním, co se nesnaží turisty odrbat... k nezaplacení. When I was still working at KFC, I also always advised them to pay in local currency. Happy, smiley faces of tourist and upcoming chitchat about local, who is not trying to rob them... priceless.

[@MrsRen]

I find it funny how people don't realize it's better to let their bank do the conversion rather than the business they're purchasing from...

[@cerfikj]

Miss Ren it’s not the bussines who gives you the bad rate, it’s the company which owns the terminal. The bussines (in this case KFC) is just using it for payments, the owner of the credit card terminals is mostly banks like Unicredit or CSOB in Czech, but can be any other bank.

[@jivenfields]

Yes, I got tricked in Vienna using one of those things

[@catbeara]

Oh, wow, my friend is so freaking smart. When we were interailing she noticed both of those things upon first using one of those ATMs, so I just followed her lead even though I didn't really understand what the problem was at the time. Now I get it. Oops. Thank goodness for her street smarts. 😅

[@gergelyagocs]

In Budapest VII district you have these ATMs literally in every 50 meters. The only way it can be profitable to have all these ATMs around is their huge charges and bad exchange rates. They are especially pointless because you can pay with card in most places visited by tourists. They sell you something at a ridiculously high price that you dont even really need. Proper rip-off.

[@terezarychetska2901]

Timur Lenk yeah, they are there because there are loads of pubs and bars and in some of them, they don’t take cards and drunk people don’t really care, so they use these ATMs.. I saved so many drunk tourists this summer while working in Budapest 😄

[@jeeeyjey]

Haha that’s true!! We considered making it into a drinking game we were standing on the street at one spot and from there you could see 8 euronets in different places without even moving

[@trihoang163]

@@terezarychetska2901 your country's fault for having delicious beer at such low prices.

[@jumanjiwarlord]

I was only trying to withdraw like $20 US to go to the thermal baths and noticed the extra charge from a Euronet ATM. Those atms really are set up to scam the unsuspecting foreigner. How else are you supposed to get cash? An atm from a legit bank? Like Erste Bank?

[@juandenz2008]

@@jumanjiwarlord Yes I guess so, ATM at a legit bank, withdraw in CZK. Don't select dynamic currency conversion. The ATM should warn you if it is going to charge a separate fixed fee, if it is too high, try a different bank. I've heard the ATM machines at the airport are bad for large fixed fees.

[@DestinationKylie]

Yes, you can click DECLINE but they have some tricky limits. I had to once take out 18 000czk from my Polish account. And it allowed me only with accepting their rate. When I was clicking DECLINE it was telling me that I don't have money. And I really had to urgently take out the money so after their exchange rate I lost almost 3000czk :(

[@Nilstv24]

3:17 Yeah it makes sense, because you have the exchange course from your bank and not from the restaurant then

[@The_Real_Mier]

Thank you for the ‘decline rate’ and ‘choose local currency’ tips!!

[@GrasshopperKelly]

Euronet skimmed my card on Parnell Street Dublin in November (2018). I'm Irish, so they WILL skim your card, no matter where your card is from.

[@winson1]

Grasshopper K just call the police

[@ansorn]

When I declined the conversion I got the decent rate of my bank which was ok. At least with euronet ATM in Croatia. The Conversion they offer is really scam. And worst if you decline the conversion they will warn the hell out of you that you cannot know what rate you get and that you could get scammed by your local bank lol

[@ddorian8683]

We have ATMs in Croatia?

[@RAMA-gu8cs]

India:we have the best scammer Czech: Hold my beer

[@TomyGrant]

😄👍

[@kubbakubbynator2621]

*Hold my pivo

[@SofaKingShit]

Try using atms associated with the bank of national post office or any bank with a "agricole" in their name if there are any. They will generally be honest banks for working people and take low fees.

[@user-lw9dm4yd2e]

Yay that's what I'm talking about , in Spain(Eurozone)in the hotel they were trying to charge me in US dollars LOL (my card currency is Euro, russian bank) they will try to rip you off everywhere with that Dynamic Currency Conversion, pay attention, always decline DCC(huge fees)

[@vicioushuman1856]

Яков Финкельштейн Paying by my Euro credit card (slovak) in austrian shop, the shop terminal oferred me the transaction in USD :)))) What a bad joke, when both countries are in Eurozone :))))

[@today3452]

Europe is complete garbage shitshow in the form of Socialist Marxism.In America tourists have as much rights as natives because of freedom.well at least now but freedom is losing and socialism is winning so we will be like Islamic Europe soon.sad.

[@MidnightBloomDev]

@@today3452 universal healthcare and free education is better than few % more 'freedom'

[@today3452]

@@MidnightBloomDev Marxists never understand human nature and how there is no such thing as free.

[@PefuLukyson]

Janek and Honza, you guys, you are superheroes!

[@dzikie_serce]

Thanks for information. You're doing a great work. I'm comming with my family to Czech Republic for our summer holidays. Your movies are superb :)

[@nathaliedayan8442]

Your Word is just amazing..we were in Prague this year and it helped me a lot..just big thanks