The matter of banks (like HSBC) asking if you accept their outrageous exchange rate (which you must decline to get your own bank's better rate) has been previously discussed. But I had never experienced this at the CiBanco ATM before.
Today, first time there since June and a line-up behind me, I saw there was a change in the screen but rushed because I didn't want to keep others waiting. My bad!!! Found I should have declined the "do you accept" option when later, checked on oanda.com and learned I got the "kiosk" rate (a little over 5%) where before with them I got between ATM and Visa rate. Yes.... I checked. Lesson learned...... and hope this will help others.