HSBC ATM Conversion Bait

Just a warning here about HSBC. I normally withdraw 10 million each time and with the demise of Citibank I regularly withdraw from HSBC ATMs. HSBC gives two conversion rates amount to choose from. They use their VND to USD own rate and it shows the exact amount that's taken out of your US bank account. DO NOT CHOOSE THIS OPTION. Choose the market rate conversion rate, which doesn't show the exact amount taken out but comes with a 200,000VND fee (which some US banks will refund back to you). I was able to compare the differences and there was almost a $20 difference in cost. It's the same scam in Europe. Chose a conversion rate "guaranteed" by the bank or choose one without. You always loose more with the "guaranteed" rate.