Currency cards (visa classic) and exchange rate changes

Question

Payment systems

An unfortunate thing happened to me once. There was a currency card, visa classic, and everything was fine, I used it and did not know grief. But once at the weekend he took money from her at an ATM, the ATM naturally gives out in nat. currency and gave me hryvnias at the current exchange rate. I successfully blew them away, and threw out the check (I didn’t expect a dirty trick), and on Monday I found out that there was a little less money on the card than what was left over the weekend. The bank explained this to me by the fact that on Monday the exchange rate changed, and the currency transaction took place on Monday, as on a business day.
And so actually and a question: I the sucker, or such can be?

Answer 1

This is a fairly common practice, very often, for example, when paying for something on the Internet, they hold the amount at one rate, and carry out the operation on another day and at a different rate.
At one point, I got tired of it, and I went to issue a dollar card specifically for purchases from the bourgeoisie.

Answer 2

Throw angry letters at the bank. Threaten to file a complaint with the NBU. During the withdrawal of money, the amount must be reserved, and this is done at the time of withdrawal in the currency in which the account is opened. Dot. With the beginning of the transaction day, the amount is withdrawn from the card. If this is not the case, then the bank can be accused of deliberately delaying transactions for the purpose of profit.
Although, you should carefully re-read the contract, and if possible, put here the parts that relate to the procedure for withdrawing money.

Answer 3

Not PrivatBank, by any chance? Only they met this "feature".