Thanks, stimpy. So the Wells Fargo rate I would get on using my debit card for an ATM withdrawal would be whatever the Wells Fargo conversion rate is at that time plus the $5 charge? Any reason to think that this conversion rate would be any different from the conversion rate being used by other USA banks? I guess I'm just trying to figure out if my Wells Fargo debit card at an airport ATM is the best way to go in getting India rupees once I arrive in Delhi. Seems like it would the best since the only extra charge is the $5 fee, unless Wells Fargo articifically inflates it's foreign conversion rate to make up for the absence of a percentage fee for each use of its debit card at foreign ATMs? Am I correct or am I misunderstanding something I should consider in figuring out how to best convert USA money to India rupees?