Euronet and all of its employees ought to be ashamed of themselves. Their ” Dynamic Currency Conversion” is a complete scam to take advantage or fleece tourists when out of their element, for example in Europe. Their predatory company preys on weary travelers like myself who, for example, just landed jet lagged in Rome, got off the overnight flight and know they need to get local currency. Or people who get off a cruise ship in a port and your ATM machine is the only one in close proximity of the boat docking area. A 13% fee on each withdrawl is ridiculous.