"O’Leary accused the travel agent industry of scamming and ripping off unsuspecting consumers by charging extra fees and markups on ticket prices."
That is ... pretty rich.
A couple of years ago I was going to go see my brother in the UK who lived near Stansted. As such Ryanair would have been the most convenient airline. The shere number of dark patterns I encountered trying to book the ticket was such that when I got to the payment page and they tried to coax me into using my local currency instead of GBP and hid a £20 spread in the exchange rate I rage quit. I should have known better even then, but now I will only use them if I have literally no other choice. With luck that means "never."
I'm always happy to see the various EU competition authorities pushing back on this kind of thing.
Ryanair used to do some things that were quite remarkably devious - the option to not by travel insurance was in the middle of drop-down list of countries!
To make sure I had remembered that correctly I looked it up and here is a description of it:
NB I've travelled with Ryanair quite a lot and actually don't mind the actual flights but it is wise to manage expectations about the kind of company you are actually dealing with.
It's not quite as bad as I expected (still bad), since it does at least clearly tell you how to not buy it, in normal size type even. Except then they decided to make it out of place alphabetically (and it seems to have moved at least once, since the other article says it was "between Denmark and Finland" because it was sorted under "don't").
Cool website. It’s a pity it’s no longer a wiki. Perhaps if you used the extension RequestAccount with a restriction of editing to only confirmed users you would be able to keep it a wiki.
Yea quite devious, in a weird way I suppose the dark patterns also serve as an IQ test that favors younger tech-literates who are familiar with web patterns and are also on a budget (though not all).
I used Ryanair a lot while studying abroad in Europe and the €20 flights were real if you jumped through the hoops, which was quite magical.
I once had a flight booked to Paris, but it landed in an airport 2 hours outside of Paris and the train/bus would’ve been 2x the flight cost, so being short of money I just didn’t take the trip and lost €20 :)
The dark patterns favor the patient readers who are able to think through and make informed choices. That wouldn’t be most of the younger tech literates.
> However he disagreed that the ‘don’t insure me’ option was hidden, and said that 98% of Ryanair’s passengers could “find a way to decline insurance”.
I'm not surprised, but still a bit impressed by the ability to lie like this. Somehow I doubt even 9% of their passengers would know it was between Denmark and Finland.
An unknown percentage of people actually want the insurance. If only 2% bought it despite such an extreme dark pattern, the 98-percentile of customers is much better than I would have expected.
It's true you don't know who wants it, but I thought capitalism was supposed to work by mutual consent and transparency of contract. If even one person is deceived, that's a scam! I doubt out of tens or hundreds of thousands of people all of them figured this out and wanted the insurance.
I remember when they were seeking approval to provide blow jobs on flights (free in business class iirc.) The only thing that they won’t up charge. They even tried to get approval to charge for bathroom access.
Wild company, but they are entirely on brand.
To be fair, consumers have driven airlines this way. They’ve shown that they’ll buy based almost entirely on price and suffer any amount of agony in exchange.
I just don’t find basic economy or early flights or shitty airlines worth the bad stress.
The advantage of Ryanair and a lot of the other low cost carriers is that they do a lot of point to point flights between regional hubs - for example we flew Edinburgh to Marrakesh with them a few years back which was fine and I think they were the only airline offering direct flights. Going via Heathrow, Gatwick or CDG would have been a nightmare and we were only going for a few days.
I Will always be grateful to Ryanair for having allowed young me to travel cheaply, and I accepted most dark patterns, but I draw the line at the fact they appear to force you to book near seats when traveling with minors, even tho, by law, they have to allocate seats to you like that.
> they tried to coax me into using my local currency instead of GBP and hid a £20 spread
I’m finding this more and more. Uber does it, and even Walgreens does it when I’m in the US and tap my card it suggests that I pay in my home currency. This seems to be a new vector companies have found for ripping off their customers.
What really pisses me off is that this stuff is annoying and sometimes fools us, tech savvy people on a hacker forum. I can't imagine how many elderly/non-techie people are being fleeced out of their money because of these kind of dark patterns.
Yup. Reminds me of how my dad would do his taxes at H&R Block, and then every year take out their “refund anticipation loan” (despite not having some big urgent expense). They deduct their overpriced tax prep fee and a healthy 150%APR interest payment from the proceeds but you get the money same day. You could just not do that and still have your refund in like a week. The APR is unconscionable given they did the taxes — they can be nearly certain your refund will arrive. But they just gloss over those details, probably by saying “Do you want your refund today, or wait on the IRS? With the Today option you can also just deduct your tax prep fee from the refund and not pay out of pocket.” I have a feeling they get a LOT of people with that scam.
Whenever I travel out of the country I always re-read my credit card policies on foreign currency conversion. Some cards are quite reasonable, some are ripoffs.
In 2025 it's decidedly old-fashioned to even think of interfering with the march of the orphan-crushing profit-maximising machine. Each quarter demands a fresh way to rip off people.
How quaint even the 90s seem today, and we though that was hyper capitalism!
This isn't anything new though. Been like that for the last 15 years at least. Always pay in the local currency (your bank/visa/mastercard will give you a better rate then the merchant)
It seems to be built into the credit card terminals. So it's a visa thing, not on the shop.
I had that with very small shops in non-touristy areas of Mexico where it was absolutely clear to not be a scam attempts by the shops owner. They had no idea what the terminal asked.
Their payment processor (the people they rent the machine off of) offers them this oppurtunity to 'unlock hidden revenue for merchants'[1][2][3] and they are happy to do this.
I don't think parent is claiming that the shop owner is trying to scam someone. But these prompts have been around for at least 15 years, I'm also sure about that, this isn't new by any measure. And yeah, also came across shop owners who don't know what it is about, and then you have to chose.
Makes sense that shop owners in non-touristy areas haven't seen them before, as you'll only see that when the card has a default currency that differs from the default currency of the terminal.
On the other hand, almost every merchant and waiter in Spain told me, when handing me the card terminal, to select "local currency" (decline the first swindle attempt) then "don't convert" (decline the second swindle attempt). There's obviously some required workflow where they must pass the terminal to the customer, but they are wise to the payment gateway's trick to extract additional value from the transaction. They don't want their customer bilked, or to take the reputational damage when the customer leaves an angry review.
So if your Mexican merchants "don't know" what their terminal says? Either you were their first foreigner, or they're useful idiots, or they know.
I just think they genuinely don't know. I was years into travelling before I learned about this 'trick'.
For my part, I'd just always assumed the charge would be ultimately converted by my bank in any case. Seems obvious now I look back, but I honestly just didn't think about the trick.
Just as an example that gives evidence for this, sometimes you'll go to the same place multiple times and the norm is they ask but occasionally someone won't. So it's not a policy.
I presume the people who don't just don't know about it, don't want to bother me and aren't aware it will make a difference.
He could have merely been the first to do the math and bring it up. I could easily see most tourists overlooking this sort of thing, or not mentioning it because they're already accustomed to it.
Very true, but the other half is to ensure you don’t use a card with a foreign transaction fee, which will cost you 3-4%. There are free cards like the Amazon Prime Visa that don’t have it, but that fee is very common.
The other thing I hate to see is people using the currency conversion desks at airports, or buying foreign currency from their banks in advance of trips. They give you awful rates.
Assuming you’re traveling to a civilized country, just stick your card in an ATM when you land and pull out the cash you need. Good banks don’t even charge their own ATM fee, so your total cost is the $3-4 that the ATM owner charges, and you get a pretty fair rate.
When the ATM withdrawal usually costs you nothing, or in some cases when the bank does not have an agreement with the ATM company it can cost you 1,39$ then 3-4$ is a ripoff.
Also people buy currency locally - before the trip - where I am from, and all the rates are displayed, both in a bank or in currency exchange. You can compare. And even when someone is lazy they can just ask friends which place has the best rates, everybody seems to know which (and the answers are true and conistent, I checked). Buying locally at a currency exchange is the cheapest option.
> The other thing I hate to see is people using the currency conversion desks at airports
If I've just arrived home with $30 left of whatever currency was used in the place I came from, they could be taking a 30% cut and it would still be worth it to just due it there rather than physically visiting a bank.
That is, if the currency is one they're even willing to exchange.
This isn’t that. I understand if you came to a US store with Canadian dollars, they’d be unlikely to give you the posted exchange rate for them, if the took them at all. Here we’re talking about paying with a credit card that will automatically pay in the local currency, and having the POS terminal, on whoever’s behalf, try and intermediate that to charge a higher rate than the credit card would have, under the false pretence of simplifying payment somehow. It’s not convenience, it’s preying on ignorance.
Almost. To such a degree I would call it a very dark pattern.
There is however one very good argument for. Currencies with very high volatility. Think extreme inflation. If you accept their conversion you know what you pay in your own currency. You have then mitigated a risk.
If your own currency is volatile then you might gamble and win. If the foreign currency is volatile you will usually win by paying in the foreign currency. If both are volatile then it is a blind gamble.
The important part here are the settlement dates. Your bank usually do not calculate the exchange rate of the eaxct purchase time.
That is the excuse for the "service". But it is still not wanted and I consider it evil.
When traveling places with rampant inflation you will notice that sellers always negotiate 2 prices. One in the local currency and one in what is considered an easy to use hard currency such as USD or Euros.
Forgeries and less cash flowing around has made it harder to use other less know but otherwise hard currencies.
So sellers never care what currency you choose to settle in as very close to zero sellers have multiple accounts on the same terminal. And those who really need it will always negotiate in different currencies.
You might have experienced something like this at times when visiting Argentina or Turkey.
So the "service" is only there for those who want to understand what they pay in their own currency or mitigate a settlement date. And will pay for it!
Local terminal holders rarely care. But the ATM mafias (such as EuroNet) do very much so. Because they actively are playing the mitigation game and are allowed to add fees.
I strongly feel this field should be very heavily regulated. But too much money is involved. And if you look at where VISA and MasterCard are located you will understand that is not a regulation happy corner of the planet.
Historically (like, 15+ years ago when I did the SEA backpacking circuit) there have been some cards with ridiculous fees for international transactions. Like, a flat $10 per transaction. Back then when I saw prompts like this on card terminals I assumed it was targeted at those cardholders (or people who had heard stories of those and were unsure and worried what they would be charged and wanted to be reassured by a number in their home currency)
Just so everyone is aware, it is still considered a foreign transaction regardless of which option you pick. So if you are using a card that charges for that, then you will be charged a foreign transaction fee. It is a foreign transaction fee, not foreign currency fee.
I think that’s exactly a big part of why this scam was developed. If you aren’t that informed, don’t know your credit card terms by heart, but you’ve heard about those “foreign fees” it’s very plausible that this service would save you money. Not likely of course, since the scam is obfuscated and hidden in a dollar amount presented without the computation.
If you’re in a place that wants dollars or euros because their currency is “bad” (volatile or unable to freely exchange for dollars), they prefer dollars. You can tell because you get a better than official exchange rate.
I have to say I’ve never been somewhere that the currency was so volatile the settlement date mattered. Carrying local currency would be part of your risk? This could only come up in the almost-all-digital-currency modern world.
When O'Leary accuses others of "scamming and ripping off unsuspecting consumers", what he really means is that only Ryanair should have the right to scam and rip off Ryanair passengers...
Years ago when paying with PayPal, there were 2 choices - for them to convert currencies or to rely on my bank to convert them. There was a warning that if I chose the second option, it could cost a lot. Turns out, with my bank the conversion was good and with PayPal's conversion I'd lose like 10%.
Stuff like that is what I say "years ago" - I haven't used PayPal for a while now, and I won't use it again.
Point of sale terminals also do this when travelling - it wasn't especially surprising, just one straw too many.
Of course foreign exchange offices have been doing this scam since forever ("no fees!")...
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Edit - note that with a bureau d'exchange my objection is not that they charge for the exchange; clearly that is the exact business that they are in. It's the "no fees" etc. marketing that hides from the less astute punters exactly how (and how much) they are paying for the service. I'd like to see that outlawed and direct costs of the exchange up front (e.g. "Exchange £100 for $121.5 at a cost of £10 compared to the base rate")
Isn't that fairly easy to estimate? If they're showing you a buy rate and a sell rate, you know the interbank rate is going to be pretty much halfway between the two. I don't think anyone's changing money and thinking the bureau isn't profiting.
Honestly, to me the problem seems more like people don’t know they don’t have to use those things. Just pulling money out of an ATM (and yes, declining the currency conversion scam there as well) is a much more efficient and cheap way to acquire the local currency.
People use these desks because they think that’s just “what it costs.”
ATMs all over are like this. Very annoying. I have to decline conversation all the time. The ATM conversation rate is usually 15-25% markup. No thanks, my bank charges nothing, just passes on the Visa 1% fee for fx.
Great question. Let’s take a deep dive on money. Getting $100 at the right time can be a game-changer! It’s not only a store of value — it’s a means of exchange!
The big scam is some terminals are configured with 17% forex fees (looking at your shady restaurants in Budapest), really funny when it's paired with tips in an EU country.
But this is why Revolut and WISE cards are a god send when travelling, just load them up with the local currency and these issues disappear.
Wise cards are still issued in your home country however. My NZ-issued Wise card still triggers the DCC prompt so it's more or less the same as a NZ-issued card from any other provider. A common misconception but understandable given how Wise markets their card products.
Yes, zero Forex fees cards work. But the terminal detects that your home currency is different to the local currency and you still have to choose the right option.
For example, just the other day I fat fingered the screen and chose the wrong currency.
Do they suggest that you pay in your home currency, or do they give you the choice to select on the ATM? Only once a cashier made a suggestion and it was to warn me of the spread and that generally it'd be better to do it in USD and let my bank do conversion.
You get a prompt on the terminal. I’ve never had a cashier suggest anything to me, and I don’t really want their input. The correct answer is always pay in local currency and let your bank handle it.
I once came across a cashier that thought you had to select the foreign currency option. When I tried to pay in the local currency she cancelled the transaction.
Needed to get another member of staff to explain to her that the local currency option would work fine.
The funny thing is that, at least for American consumers, there’s a good chance you’ll get mildly scammed by using your card in a foreign currency due to a 3%—4% junk fee that is common (I’d estimate 80% of non-premium cards have it). So the discovery of the “let us, the merchant, convert for you” scam has allowed merchants/payment networks to in some cases “steal” the scam from the card issuer (the card issuer then won’t take a fee if it’s in USD, but someone takes a fat margin on the currency). They’re all scumbags, all looking for ways to grift.
I’m not defending this behaviour with Ryanair, but this is not unique to them at all. It’s an industry “standard”. I’m Irish but live in the UK - when we make card transactions it asks what currency we want to pay in, and hides the exchange rate spread.
> I will only use them if I have literally no other choice
Even with the £20 increase they were likely cheaper than the alternative, if it exists. If this is going to push you into not using them, basically every other airline will be ruled out for you. EasyJet are exactly the same. BA/KLM/Air France/Aer Lingus are all the same on their short hop flights (I’ve actually never flown Lufthansa so I can’t comment on them). The short haul European routes are a race to the bottom.
To be clear, the currency scam was a last straw, not the major dark pattern.
When you compare list prices for flights with them versus almost any other airline you are comparing apples with oranges. The only way to figure out exactly what you'll pay is to go through the entirety of their checkout procedure. My experiences with those other airlines for short haul flights are quite different.
I also hate that it continues through the whole flight. I don't want to find out I have to pay to have my boarding pass printed, or that I need to pay for a glass of water on the plane. The other carrier might be more, but the things that come in the bundled fare make the trip easier with less friction points.
The one I found most devious was the ATMs in Stansted that offers to pay out Euro. I was going to Spain and knew I would need some cash on arrival, so I thought I could save a bit of time. They had cleverly swapped the exchange rate so in big letters they showed a reasonable figure, like 0.85 and then in smaller type in the corner showed that actually it was in favour of Euros, so you would pay over 350 pounds for 300 euros. I luckily realised in time, but I expect a lot of people don't. Also it's drilled in from the bad old days that you need to take out cash before going on holiday to avoid being scammed. A whole exploitive service industry seems to exist solely on that misconception.
The only place in I've had any troubles paying with card (or easily find a cashmachine) in recent time have been Turkey outside the big cities.
In fact i find Ryanair booking page the most smooth in user experience out of all major airlines. I am mostly tied to Aegean because i have a top loyalty level, and it is incredibly frustrating to go through extremely slow loading pages, page after page, to do every trivial task, and having to enter SMS OTP on every step. With Ryanair is't one and done, i barely remember it. And every action is blazing fast, pages load in a blink, no spinners.
> coax me into using my local currency instead of GBP and hid a £20 spread in the exchange rate
BoFA does this for international wires as well. And I suspect a lot of companies do this to their international customers too. Unfortunately, it’s become pretty standard
It's easy to book a Ryanair ticket without being upsold. You select the ticket, probably add a bag for about £40, skip the car rental and hotels screens etc, then book. What's the problem?
So you're using Ryanair's own-issued payment card, to avoid the mandatory fees it charges for every other payment option?
You forgot to mention picking the "No I don't need travel insurance" option shoved in the middle of the list of travel insurance prices, which defaults to you buying travel insurance from Ryanair.
Do you already have their spyware app installed and tracking you on your phone, to avoid being charged £50 for a plain boarding pass which you print yourself?
You're describing some other airline's website, surely. If you'd used Ryanair's site you would not be unaware of its fuckery.
Dark patterns are still sketchy and unconscionable, regardless of how easy you find them to get past. They're put there by unscrupulous businesses to catch some people -- can you say no Ryanair customer has ever accidentally purchased Ryanair insurance they didn't need?
Similarly, their latest wheeze, that you skipped over, is to compel people to use their "app". The trading standards regulators need to smack Ryanair about the head with a cricket bat and again force them not to apply such bollocks.
> Indeed, when I checked in for my 12 November flight to Germany a day ahead, I was told: “Make sure to print and bring your boarding passes to the airport or access them through the Ryanair app” and even “boarding passes must be printed for use”.
> But Ryanair says those are no longer acceptable. Oddly, though, you can use a paper boarding pass that is printed out at the airport by ground staff working for Ryanair – at no charge.
Such utter bollocks. They are totally capable of accepting paper boarding passes (or screenshots or PDFs of boarding passes shown on a phone -- better airlines let you download a PDF from their website once checked in, and you can put it on your phone or print it out; no proprietary app needed), they just want to compel you to install their app and get tracked and dinged and marketed at and upsold up the wazoo with zero benefit to you. It is not necessary at all, and I will continue to never travel with them.
If you take your time and read carefully. Because sometimes the colored choice is free, and sometimes it is the non-colored one. 100% dark pattern. As is disabling "paste" on check-in, forcing you to remember the 6-alphanumeric char booking code if you do not have a second device/pen&paper at hand.
Scamming is, sadly, a common practice now for many services. I think the first time I saw it was on Expedia, before the pandemic, when prices started going up at each step.
I still don’t know why all these dark patterns are simply not illegal. What happened to consumer rights? It be a such a widespread practice, I think we will look back at this at one point and will say things akin “how did we let people smoke in planes”. One of those things utterly ridiculous in hindsight
I mean, it does seem relevant that this thread is for an article about them being fined a quarter-billion Euros, so they very much did break the law and the law very much does have teeth.
He's very good at marketing his airline (often with outrage inspiring press releases) and very good at finding ways to squeeze more blood out of the stone of budget travellers. I don't really care whether he's "good" or "bad" but I would like to see the regulators shut down more of these aggressive tactics as they emerge.
Bezos invented 'your margin is my opportunity' (at least that's where I heard it first), but O'Leary has that phrase in his blood instead of hemoglobin.
I just wish the airlines were forced to put their booking behind an API so we could book flights without having to go through mazes that are different for every airline.
Ryanair does lots of shitty things, but I dont see why an airline should be forced to resell to shitty agencies taking a an unecessary cut instead of consumers buying directly with the Airline.
I actually wonder how much traffic they lose this way. My employer doesn't allow me to book with them because the agent doesn't list them. Even though I want to go to Cambridge, quite annoying.
That is ... pretty rich.
A couple of years ago I was going to go see my brother in the UK who lived near Stansted. As such Ryanair would have been the most convenient airline. The shere number of dark patterns I encountered trying to book the ticket was such that when I got to the payment page and they tried to coax me into using my local currency instead of GBP and hid a £20 spread in the exchange rate I rage quit. I should have known better even then, but now I will only use them if I have literally no other choice. With luck that means "never."
I'm always happy to see the various EU competition authorities pushing back on this kind of thing.