A $15 fee sounds insane. I don't understand how that can be?
I noticed when I was in Thailand ATM machines were charging me a 150 baht surcharge, so that is already $5 right there.
I talked to HSBC and they told me my card has no charge when using an HSBC machine and a $2.50 charge for any nonhsbc machine.
For a cash advance on my capital one card it seems I will be charged a %3 commission by the institution giving the advance and an additional %3 by capital one themselves.
So right now it looks like the HSBC ATM card is the least expensive option.