Originally Posted by milepig
Someone may correct me, but I believe that Citibank also charges you the bank-to-bank conversion rate without any additional fees if you use their ATM. I was recently in Amsterdam where there is no Citibank, so used another bank. Citibank charged me a "foreign currency" fee of 3% on top of the withdrawal amount. I believe this is not charged if you're using a Citibank ATM.
I need to look into that. If that's the case when using the ATM card at an ATM machine (and not as a credit/debit card or POS-pin code sale), then I'm going to be ditching my use of the Citibank account when overseas.
Credit Unions and even Paypal seem a better deal often enough.