Originally Posted by
Majuki
As for ATM operator fees, there are a number of cards issued stateside that are popular here on FlyerTalk that will not impose an ATM use fee and reimburse ATM operator fees. I recognize that not all geographies/currency denominations have that as an option, however.
Germany used to have the same "fee free" ATM cards (DKB), but they've enhanced it piece after piece. First, they stopped reimbursing for extra charges, now they've changed it that you'll be charged 1.75% on ATM usage unless you put at least 700€ per month into the account.
If your local currency isn't the Euro, it kinda sucks.. because you will put yourself at risk when you don't actually use 700€ per month (which I hardly do.. and for hotel bills, my local Swiss cards will still be better as I'll only lose out once on currency conversion)
In short, with the ultra-low interests that have existed for a few years now, the whole credit card game kinda was made harder and harder.. (I kept a nice sum onto my DKB card when they paid close to 2% interest on it.. then the Euro went down, and I basically lost more than I ever gained on it.. don't talk to me about that
)