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Common in Türkiye

Scam in TürkiyeCards and ATMs

ATM currency conversion at a poor rate in Türkiye

ATMs across Turkey, including some stand-alone locations with several machines.

How it works

The ATM converts the withdrawal into your home currency at a poor exchange rate. This is called dynamic currency conversion, or DCC. Some machines do not let you decline it. This is a costly payment practice rather than hidden theft.

Warning signs

  • The screen offers to convert the withdrawal into your home currency.
  • The machine requires you to accept its conversion rate.
  • The ATM promotes withdrawals in several currencies.

How to avoid it

  1. Choose a withdrawal in Turkish lira.
  2. Decline the ATM's currency conversion.
  3. Cancel and find another machine if conversion is compulsory.
  4. Prefer a bank-owned ATM inside or beside a bank branch.

If it happens to you

Keep the receipt and check the amount charged. For your next withdrawal, use a machine that lets you decline conversion.

  1. Get somewhere safe. Avoid chasing thieves or escalating a dispute. Call 112 if you are threatened, injured or need urgent help.
  2. Check what is missing or wrongly charged. Block stolen cards and secure accounts on a missing phone immediately.
  3. Save evidence. Keep receipts, booking records, messages and payment alerts. Note the time, place and vehicle plate if relevant.
  4. If safe, ask the business to correct the bill or refund the disputed amount. Explain the agreed price and currency clearly.
  5. Report theft or suspected fraud to police. Ask for a report or reference number for your bank or insurer.
  6. Contact your card issuer, insurer or booking service as needed. Contact your embassy or consulate if your passport is missing.
What it can costThe exchange-rate markup is often 7% or more.
Where it happensATMs across Turkey, including some stand-alone locations with several machines.

What travellers report

Posts about this scam on other sites, summarised in our words. Open one to read the original.

More scams in TürkiyeAirport transfer overcharging: how to avoid it

Questions

What is the aTM currency conversion at a poor rate scam in Türkiye?

The ATM converts the withdrawal into your home currency at a poor exchange rate. This is called dynamic currency conversion, or DCC. Some machines do not let you decline it. This is a costly payment practice rather than hidden theft.

How can I spot it early?

The screen offers to convert the withdrawal into your home currency. The machine requires you to accept its conversion rate. The ATM promotes withdrawals in several currencies.

How do I avoid aTM currency conversion at a poor rate in Türkiye?

Choose a withdrawal in Turkish lira. Decline the ATM's currency conversion. Cancel and find another machine if conversion is compulsory. Prefer a bank-owned ATM inside or beside a bank branch.

What should I do if it happens to me?

Keep the receipt and check the amount charged. For your next withdrawal, use a machine that lets you decline conversion.

Where in Türkiye does this happen?

ATMs across Turkey, including some stand-alone locations with several machines.

How much can it cost me?

The exchange-rate markup is often 7% or more.

How common is this scam in Türkiye?

Common. Tourist overcharging is very common in Turkey, especially when prices are not shown. Other risks include taxi tricks, wrong change, costly cash withdrawals, pushy shop invitations and fake nightlife offers. Watch your belongings in crowds and on public transport, especially in Istanbul.

Are there similar scams in Türkiye?

Yes: charging a card in the wrong currency.

Who can I report it to?

Emergency services: call 112 for urgent police or medical help. The call is free and can be made from a phone without a SIM card. Police: approach an officer or visit the nearest police station. Bring receipts, payment records and any taxi plate or hub details. If the unified emergency number does not work, the listed police fallback is 155. Gendarme: for urgent help in rural areas, call 112. The listed fallback number is 156 if the unified number does not work. Ankara tourist police section: a multilingual tourist police section is listed at AŞTİ bus station, but staffing is uncertain because staff were redeployed. If unavailable, approach another officer or police station. Card issuer or bank: use your bank's official app or verified contact number to block stolen cards and dispute unauthorised or wrongly entered payments. Taxi hub: use the hub name and phone number written on the side of the taxi. Provide the plate, journey details and disputed fare. Embassy or consulate: use your country's official government contact details if your passport is stolen or you need help replacing travel documents. Travel insurer or booking service: use its official claims or support channel. Provide your police reference, receipts, booking terms and payment evidence.

What number do I call in an emergency in Türkiye?

All emergency services, including police and gendarme: 112, Police fallback if the unified number does not work: 155, Gendarme fallback if the unified number does not work: 156.

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