I have been using Citi Plus to take HKD in HK in Jan and April 2023, about a 3 to 15 bps forex spread, so almost nothing.
we are enjoying it while we can, with the BW zero as backup and fewer and fewer places requiring cash I think this problem will kind of go away.
Next month it will be New Caledonia, and then UK / Europe and the USA, will report afterwards.
