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Except for Thailand where the banks there cottoned on to a gravy train of charging foreigners 150 Baht (some now 180 Baht!) per ATM withdrawal. There used to be AEON ATM's where you could avoid this fee but this is no more. Daylight robbery.

Lost nomad it doesn't matter if they have a branch in the country or not. It is free to use at any ATM (except if that operator charges a fee which isn't that common in other countries like it is here). I haven't used it in South America (had the great NAB gold card when I went there) but have...

This is pretty much what I do. 28 degrees for all purchases anywhere that takes a credit card Citibank Visa Debit for cash/ATM withdrawals (doesn't have to be a Citibank ATM) Both products are 100% fee free for their intended purpose (credit/cash). The rates you get are pretty much...