Hi there, I have the Schwab high yield checking account and debit card that everyone recommends for international travel (no minimum balance & reimburses ATM fees worldwide.) I'm currently in Portugal and the ATMs are charging WAY higher fees than I've ever seen in Italy or Greece (12% to 14% of the transaction.)

I'm pretty concerned that these fees are different than what I've encountered in other countries (Italy and Greece,) and I'm wondering if I'm doing something incorrectly. Does anyone know how to just get charged a fixed ATM withdrawal fee like in the United States, and then just get the very low Visa conversion fee or whatever it normal is?