background - I’ve been in Peru on and off for 9 months, using Monzo up until recently without issue, recently switching to Starling.
Yesterday, for the first time since I’ve been here, a POS machine insisted on swiping the card and then prompted for currency, which in my complacency ignored and the teller opted me in for GBP (at a terrible rate). I only realised when looking within the app, because there was no exchange rate mentioned.
Then later on, I ordered a pizza from somewhere I use often, and again, they had to swipe the card instead of usual card insert. then yep, prompted for currency selection.
It’s worth mentioning that once they select GBP, the next screen shows it in soles, so if the machine operator chooses for you, you wont know until you get your receipt. Refunds here are not a simple thing.
Can anyone tell me why this is happening? A technical explanation Ideally.