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For quite some time California did not allow surcharges on ex-USA cards, but this has changed. Some other states may still have such a rule. Finding fee-free ATMs is a challenge.


Not sure, but I heard that Garanti offers the lowest fees. Because they started internet banking system which is successful and they have been improving an application to attract tourists. So I think maybe for a short time but they offer low fees. I may be helpful to check it.

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