[noname120]

I don’t know a single bank in Europe that provides this option

Edit: Perplexity says this:

> cards cannot block DCC offers because the merchant terminal identifies your card’s country of origin from the card number and offers DCC accordingly. Always manually decline at payment to let the card handle conversion at better rates

[embe42]

My bank (mBank in Poland) has per card options for declining various types of transactions, among others: made using the magnetic strip, with DCC, with added ATM surcharges. The bank probably cannot disable the "service" offered by the terminal but seems to get enough information to be able to decline the transaction.

[Symbiote]

A charge in zloty from outside Poland probably shows DCC has been used.