[QUOTE=velivolus;7482457]Thanks for the citibank tip, cmvinsk.

When you say no fees at all when using a citibank ATM, do you mean not even the 1% conversion fee charged by HSBC?

If so, and there are more citibank ATMS in Shanghai, then that's definitely the better deal.
QUOTE]

As someone confirmed, Citibank recently changed their policy and got rid of the fees for "on-us" ATM usage. Used my card in Bangkok last month and no fee. In my experience, definitely more Citibank ATM's in Shanghai. In a number of shopping centers and other places.