Originally Posted by
Azurik
Here are my experiences:
U.S. = 100% fee reimbursement success, regardless of which ATM machines I use
Worldwide = murky at best. A lot of my Caribbean and Mexican ATM use gets the fee reimbursed, but I noticed other places that don't. Some examples below:
- Frankfurt Airport - No reimbursement shown
- Amman, Jordan - 100% success
- Kiev, Ukraine - 10% success, most don't list out the fee separately so Fidelity doesn't know what to reimburse
- Vienna, Austria - used once, no reimbursement
I don't get it. I wasn't paying attention because I assumed it would work out, but looking at the history there is clearly some that didn't get reimbursed. I'll have to do some testing, as perhaps the ATMs did not charge a fee... although I highly doubt that it's this prevalent.
My experience in many countries in Europe - most places no ATM fees at all. If there is a fee, as I ran into in Barcelona, it is stated up front. I did eventually find a no fee ATM in Barcelona. Fidelity would have reimbursed me I'm sure, but I didn't want to patronize a fee charging ATM anyway.
It's very easy to check the exchange rate. VISA publishes their exchange rate and you can check what it was the day your withdrew funds from the ATM. In my use of the Fidelity debit card at many ATMs in Europe, it has always given me that day's exchange rate.
Select your currencies, enter 0 for the bank fee for the Fidelity ATM card, and the date you withdrew funds from the ATM.
https://usa.visa.com/support/consume...lculator.html/