Originally Posted by Happy

I use Schwab Visa managed by MBNA for overseas. It just went from no foreign currency conversion fee to 1% fee. However, I got the card last April initially for its $100 Visa gift card sign up bonus and at the time it specifically said there was no conversion fee for applications made before xx date. Dont know how the rule applies to current application given MBNA is purchased by BofA, and all Fidelity cards now charge 3%.

I use BofA ATM card in countries where it has its own Int'l ATM network - namely UK - Barclays, France - BNP, Germany - Deustch bank, Australia/NZ - WestPac, Canada/Mexico - Scotia. No fee and very competitive rates.

Otherwise I use Wachovia ATM card and there is 1% fee.

I am thinking about to get an HSBC account as HSBC is everywhere. I used my Wachovia ATM card at T3 of CDG to get Euro as there is only one HSBC machine. There was a 1% fee on my Wachovia statement. (Flew in from Liverpool on EasyJet and took the Roissy Bus to town for our hotel InterContinental Le Grand at L'Opera).