In an earlier contribution to this discussion,
Andrew Gabriel wrote:

For future reference, never allow hotels or any foreign business
to do the currency conversion before charging to your card. Always
have them charge in local currency and have the card company do the
conversion. Otherwise you will be ripped off by the local merchant
services provider with terrible rates (which includes a commission
payback to the merchant for managing to persuade you to use their
terrible rates).

And also, whenever you have to pay for anything in a currency other than
Sterling, use a Nationwide credit card - 'cos they don't charge you any
commission on the currency conversion.
--
Cheers,
Roger
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