Originally Posted by themicah
... I assume you're talking about a Citibank bank account/ATM card ... Were your withdrawals all at Citi-owned ATMs? In what countries? What specific fees were you charged? The more specific and detailed you can be, the more you can help us make the Wiki accurate.
As far as the 'foreign fee' is concerned, it may not make any difference if a Citi-owed ATM is used. I have an interest checking account at Citibank in NY and make withdrawals from a Citi-owned ATM in Rio de Janeiro. My statement always contains the notation CASH WITHDRAWAL AT NON-CITIBANK ATM. I get exactly the same notation at other Citibank branches abroad (recently at the KARMELICKA branch in Krakow). Nonetheless, whenever I bother to do the calculation, the rate used by Citibank is better than the oanda.com rate, even including the extra 1%.