In Poland, it might be unavoidable. I've never been to Poland, but reports on this thread - as well as yours - indicate that DCC is rampant at ATMs and merchants.

In other countries, there have been bank operated ATMs that are accessible.

Give it a try at an ATM of Bank Pekao.

Avoiding a balance inquiry fee.

This is the key takeaway for infrequent travellers to Europe such as myself. Avoid "Cash & Balance" because you are being charged an outrageous fee by a Euronet ATM to see your balance. :eek: :td:

Selecting "Other", followed by "Cash", is a great workaround. :cool: :tu:

A week into a stay in India, having used US cards at hotels, restaurants and supermarkets, we've not yet encountered a single attempt to charge anything other than INR. :tu:

Thanks, Pekao bank worked. But the atm maxed out at 200 PLN

Various Google maps review show that other people got no fee too

Bank Polski did not partner with planet cash/Euronet, but they still charged 19.9PLN + 12.13% dcc

Velo bank (planet cash 20PLn fee or 0+ 13.9% DCC).

Under $50? Is that per day or transaction?

Per transaction. I could do another transaction on same ATM to get another 200PLN.

​​​​​​I went to another Pekao bank ATM, that one allowed me 500 PLN max per transaction.

Is there a Wiki or thread listing banks by country for ATMs that either don't charge crazy fees and/or allow you to avoid DCC in a reasonable manner? I'd love to have a cheat sheet before I leave for a country letting me know which banks or brands of ATM I should look for.

There are locators for surcharge-free ATMs, at least in the US. I haven't searched recently since the debit card I use, Fidelity, reimburses ATM operator fees. Generally speaking, bank branded ATMs (that aren't in partnership with Euronet, Travelex, etc. type of ATM operators) have no or lower fees.

I don't worry too much about DCC at ATMs since, aside from one instance from klashn in Mexico, it's been possible to opt out.

I don't know if there is a thread or a wiki, but if you have a Schwab debit card, any fees will be refunded to you by Schwab. If you bank with a member of the Global ATM Alliance - Bank of America, Barclays, BNP Paribas, Banca Nazionale del Lavoro, China Construction Bank, Deutsche Bank (except for Spain), Scotiabank, TEB, UkrSibbank and Westpac - usage and access fees for using ATMs belonging to other alliance member banks will be waived. You still have to watch out for DCC offers, though.

Just a note as this is presumably not a US-only discussion - a holder of China Construction Bank ATM card (China Construction Bank Asia in HK, anyway) will not get reciprocal treatment. I doubt Westpac ATM card holders will either. (my confusion. CCB is only a partner with BoA (I know why), and Westpac does get fixed amount operator fees waived (only charge 3% FTF)http://en.wikipedia.org/wiki/Global_ATM_Alliance )

Error Fep 88:
The card cannot be used contactless. Please make the payment again by inserting the card.

Cheat sheets can be out of date too

when I search for Poland no fee ATM, a lot of posts say bank ATMs have no fee. But that's not what I encountered.

One good thing: majority (but not all) of the poland ATMs I've used accept contactless from physical card, less risky getting skimmed

Good points, thanks. Maybe just time for me to open a new account for ATM -- I'm probably too conservative about opening accounts.

Chase Sapphire checking also refunds fees paid at non-Chase ATMs as statement credits; there's a hefty minimum balance required to waive monthly fees, but you can satisfy it with a Chase self-investing account, which offers among other things a variety of index funds and ETFs from Fidelity, Schwab, T. Rowe Price, Vanguard, etc.