I've been in Mongolia over three weeks but only needed to go to the ATM once previously and the first one I tried worked.
But just now I went out at about 11pm to withdraw money. Some ATMs didn't feel secure enough or were too secluded to use so late at night with so few people around. None of the ATMs I spotted had Cirrus logos. I went to a Xaan Bank that had a security guard and the ATM had several logos but no Cirrus logo.
It only offered me a choice of account and then declined my withdrawal on the basis that it was "not a current account". Then again as an IT guy I've come to the conclusion that ATM error messages are as useless as error messages anywhere else in the computer realm.
One thing I'm always concerned about is that my card is a Visa credit card as well but withdrawing from the Visa part of the card is considerably more expensive because they are classified as cash advances and incur the highest credit card interest rate. That's on top of any other ATM fees.
So how can I know which Mongolian banks or which particular ATMs will accept my card and withdraw from my savings account via Cirrus and not as a cash advance via Visa?