I have the debit card from Bank of Internet, which had 0% forex charges, and they've given notice that as of Sept. 1, 2011, they'll make it 1%. The way it really worked is that I think they reported the charge with 1% as Visa converted it, and reimbursed anything left over after dividing the dollar amount by 5, calling it the ATM fee reimbursement. This spring I could have one €200 withdrawal counted as $290.30, and they reimbursed $0.30 as the fee, and a few days later the same € were $289.80, and they reimbursed $4.80. Sometimes you actually got better than the interbank exchange rate. I guess this means the charge will be what Visa shows, and they won't have the "fee reimbursement."

I also have an ING Direct account. With their sale to Capital One, not sure if I can expect it to have 0% forex in the future.