Originally Posted by
zyxlsy
I have been using Schwab for only a year so I admit I can't say for years back. But I believe included or not is determined by the specific ATMs. It's them who decide whether the fees are included in the transaction or run as separate ones.
All my withdraws last year in Australia, New Zealand, Korea, USA, Vietnam, and China include the fees in the transactions themselves.
If you don't see the ATM fee listed separately, it's quite weird since I don't think the ATM would give up the fee itself... Sometimes postings on Debit Cards can be delayed for days (my Australia Tax Refund took a week to post).
I agree whether the fee is separately billed depends on ATM as I have seen the separately billed ATM fees before - both on Schwab's and on Fido's.
Last year on the receipts from ATM at ICN and BKK, the ATM fees were shown in details but of course the withdrawals were net amounts. All fees were reimburded.
On this particular withdrawal in Turkey the ATM receipt only showed the amount withdrew, 100 TY, nothing else. It has been almost 2 weeks from the withdrawal, no additional item shows up at Schwab's site. It does seem weird because the machine clearly display $4 ATM fee and asked if I wanted to accept it to continue.