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32

Try a credit union. Many of them boast surcharge-free ATMs. Lots of smaller banks don't collect surcharges either. Those that don't often will have a big sign saying so near the ATM. The Credit Union National Association, the Independent Community Bankers Association and The Co-Op Network all have ATM locators on their Web sites. Ask for cash-back when ...


28

First of all, it depends on why your card is retained. I can think of at least three common situations: You have entered a wrong PIN too many times. Your issuing bank has decided to cancel and retain your card, e.g. because you have exceeded your credit limit and they want to prevent you from charging the card at "offline merchants". This may of course be a ...


20

ATM withdrawals will be capped, so you will only be able to withdraw around INR 2500 ($36 US) a day from an ATM. (This limit might change - as Andrew says, the situation is fluid). Additionally, each withdrawal using a foreign card can have around a $7 fee. Depending on your timing and the area, ATMs might have a queue, on average around 20 people. ...


19

Per http://ec.europa.eu/internal_market/payments/crossborder/index_en.htm cross-border payments in Euro within the Eurozone must not be treated differently from national (inter-bank) transactions in Euro. This also applies to ATM fees. This means that your bank is only allowed to charge fees similar to those for national ATM use at another bank. Examples ...


18

In general, when using your card abroad you get charged (some) of the following fees Currency exchange fee A fee levied by your bank for using your card abroad A fee levied by the ATM operator In your case (1) will not apply because the currency is the same, but (2) and (3) might still apply. (2) you need to check with your bank, and you should be informed ...


17

Bank of America is part of the so called Global ATM alliance. According to Bank of America's FAQ (see "Using your ATM card or debit card at an international ATM" and then "What is the Global ATM Alliance?): Use your Bank of America ATM or debit card within the Global ATM Alliance to avoid the non-Bank of America usage fee for each withdrawal, transfer or ...


16

My recent experiences trying out different ATMS (around Rancagua) are the following: Banco BICE: 2500clp (though these seem to be few and far between) Scotiabank: 3500clp Banco Estado: 4000clp (they didn't charge anything extra a few months ago, but now I've tried several and they all want 4000) :-( BBVA: 4100clp BCI: 4738clp CorpBanca / Itaú: 3000 5000clp ...


14

What I did for my three months long backpacking trip is that I brought 500 Euros in cash and exchanged it on my first, second day. I probably shouldn't have done that as the exchange rate got significantly better in the next few weeks. I also had rest of my money on my (Croatian) bank account and had my Visa debit card with me. Along with this card, I have ...


14

I would be very surprised if you managed to find an ATM that did not charge you a fee. US card holders are also charged fees if we use an ATM that is not the same bank as our card. Then we usually get a fee from both banks: the ATM's and our bank (for not using one of their ATMs). Some non-US banks that branches in the US; I think that would be the only ...


14

Got it. Yes, there are, and there's even a handy website: Link's ATM locator which, when you click one on the map, will tell you if it supports 5 quid notes or not. Checking the one I remember, it shows that indeed, the BT phone/ATM kiosk opposite Waterloo station entrance (address: Waterloo road, London, SE1 7LY) still dispenses 5 quid notes. :D I'm ...


13

I've been living in Europe now for about 5 years but still make the bulk of my income from the US (where I'm from). I have tried many US banks and all the debit cards you can imagine. Most promises of low transaction fees and hassle-free transactions are lies. Here's what I've learned. Bank of America (BofA) I used BofA for all my ATM transactions for 2 ...


13

This is the temporary shack on the Cambodian side. You can see the elaborate roof of the bigger newer building hiding behind the welcome sign. This was January 2015. The new building may be open by now. The Lao side at the time looked more substantial. I don't recall an ATM or a bank. Maybe but I kinda don't think there was. I would get US dollars before ...


12

I'll post as an answer but this is more of an update to @hippietrail answer. I actually crossed the border today (Laos -> Cambodia). The tenporary shack is still there, still in use. No sign of an atm directly at the border (on either side of it). In Stung Treng (Cambodian side, kilometres away) there are some atms (with US dollars). At the bus station of ...


10

These machines have been designed to perform Every Task® bank users need to perform in a bank terminal. Top slot : card bank note. Middle slot: Credit or Debit card bottom middle slot: tickets, receipts. Left bottom slot: Outcoming Cash Right bottom slot: incoming cash in a sealed or unsealed packign ( depends on the version). central keyboard: ...


10

A few rules of thumb: Whether paying directly at a merchant or withdrawing cash, refuse any conversion (DCC or dynamic currency conversion), always go for the local currency. Your bank/card issuer will charge you for the conversion but it's almost always cheaper. In some countries, local ATM will slap a fee on top of the amount to be withdrawn no matter ...


10

Here is a brief instruction on how to use an ATM: When you find an ATM, first check if it accepts your card. Usually, the ATM shows which card it can accept (e.g. Visa, Plus, MasterCard, etc...) on the edge of the machine. If the ATM accepts your card, insert your card and start the transaction. After the ATM recognizes your card, the screen switches to a ...


9

Not sure where you heard that information. I was in Malaysia about two years ago, any significant Malaysian bank will accept your ATM card. And I had no problems while in Kuantan OR Kuala Lumpur. Now, there are banks non-Muslims are not permitted in, but there was only one of those I saw while in Kuala Lumpur. A bigger issue, at least when I was there and ...


9

I'm currently in Chile and have withdrawn money on several occasions. So far, once I've aborted my withdrawal because the machine told me it was going to charge for my withdrawal. This, while, later, an ATM from the same bank did not charge. I've tried with 3 or 4 different banks. This suggests to me that ATM withdrawal fees depend not on the bank, but on ...


9

I had gone to Prague in the month of August 2016. I withdrew around 2200 CZK which was around 80 Euros. When I checked my Deutche Bank statement, I saw I was charged around 83 in total. So around 3 Euros extra. I was on a transit at Prague on my way to Krakow last month. My friends and I withdrew 1000 CZK which was around 36 Euros, and our DB statement ...


9

In the EU, the Payment Services Directive 2, article 3(o), which went into force in January 2018, requires that ATMs inform you of every fee and charge added by the ATM operator before you make the withdrawal. As Aganju says, free-standing ATMs are generally more likely to charge additional fees than ATMs at bank branches. Usually the withdrawn amount will ...


8

NAB currently charge a fee of $4 plus 2% on foreign cash withdrawls, and 2% on foreign transactions (other than cash withdrawls). However, if you have a NAB Gold account (which has a monthly fee unless you pay in a lot each month), then there are no foreign transaction fees (including no fees on foreign cash withdrawls). So, if you want to take money out ...


8

When you have a card from another EU-country, it's possible that your bank has a partnership with one or more German banks and those will have the lowest fees. You should ask your bank. At the airports and train stations there are some ATMs that have very high fee- avoid those. Use only ATMs that belong to banks (Postbank, Deutsche Bank, Sparkasse, Citi ...


8

Bank Rakyat Indonesia (BRI) and Bank Negara Indonesia (BNI) are separate banks. BRI is bigger and has a more widespread ATM network, with over 20,000 compared to BNI's 6,000. There's conflicting information about fees, with at least one claim that BRI has lower fees but a similar forum post stating there are no fees for most Indonesian ATMs.


8

Uber works very well in India and you can use the card you already have connected to the app, but it will charge in rupees. I recommend using Uber, most of the time its actually cheaper than what Autos will charge a foreigner, and I have been ripped off by Ola drivers. Just make sure that your phone will work in India (T-mobile is great FYI). I would also ...


8

Yes, you will have a lot of trouble. For starters, there's an officially imposed cap of about INR 2000 on ATM Withdrawals per day. Now, given the fact that INR 2000 is barely USD 30, you can easily imagine that amount won't get you too far in a day. Especially as a foreign tourist. Now, add to this the fact that anecdotally, about 9 out of every 10 ATM ...


7

The amount you can withdraw from an ATM depends on the bank in Nepal. Some (usually old) ATMs only allow 10K, but if you ask around you can find ATMs that you can withdraw 20K and I found one in Pokhara which also allowed 30K. The Nepal banks doesn't charge any fee when you withdraw so the only thing you pay is to your own bank. It's best to have a card ...


7

Once you go outside of your home country the vast majority of ATM transactions are handled via either the Visa or MasterCard owned networks. Even where they are handled via other mechanisms, you can pretty much presume that any ATM which is going to to allow international cards to be used is going to be a part of the Visa and/or MasterCard networks. This ...


7

You'd probably want to know about the Global ATM Alliance. The Global ATM Alliance is a joint venture of several major international banks that allows customers of their banks to use their ATM card or debit card at another bank within the Global ATM Alliance with no International ATM Access fees. However, other fees, such as an international transaction or ...


7

Check with your bank to be sure, but I would say Yes. I use the Bank of Nova Scotia, and since it's part of the Interac network, I can go to a CIBC or Bank of Montreal machine (or a white label machine in a convenience store) and get cash. The other bank tacks a service charge on which can be 1.50 or 2.00. I would think at a minimum you will be treated the ...


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