Originally Posted by MachOne
I'll still be dinged for the $1-2 fee charged by the foreign ATM machine operator.
The only ATM with a transaction fee I've ever seen outside the USA was in the YUL airport. I've never seen a transaction fee on any ATM in China, Europe, or Israel. And ATMs on the street in YUL didn't have fees, either.
Also, be wary of using the visa or mastercard debit card function on your ATM card. I've seen some discussion that this will incurr the 3% surcharge by visa/MC and possibly another charge by each bank involved.
My Umbrellabank.com Visa ATM card charges nothing beyond Visa's 1% fee.