What I do in any country is use a zero comission debit card to withdraw cash from ATM. You get a perfect real MasterCard exchange rate. But most countries take cards. The DR is different because nobody takes cards and the ATMs charge a 300 peso fee (Banco Popular) to use it which is scandalous. You could need only 1000 peso but be charged 300 for your money. In a hotel they say for example $40. You go to pay in DOP and they add on 200 peso to todays exchange rate. No hotel yet has given me a receipt either. So would it be cheaper, given all this to go to a money exchange? Some hotels will accept bank transfer. You could do that with a card like" Wise", this could also be cheaper. Edit: wise does not deal in DOP. Anyone know if anything similar?