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Free up to £200/ €200/ Fr200/ 800zl (or currency equivalent) per month. A 2% fee applies thereafter
Overseas ATM withdrawals
Sometime when you use an ATM abroad, you will be asked to choose between a ‘credit’, ‘checking’ or ‘savings’ account. You should always choose either a ‘checking’ or ‘savings’ account.
If the ATM (or card terminal) asks whether you would like to complete the transaction ‘with conversion’ or ‘without conversion’, you should ALWAYS choose ‘without conversion’.
As a rule of thumb, you should always opt to be charged in the local currency of the country you’re in! If you’re in Thailand choose Thai Baht, in Spain, Euros or in the United States, Dollars.
If you choose ‘with conversion’, the merchant or ATM provider can apply their own exchange rate. This rate usually has a mark-up on the interbank rate, enabling the ATM provider or merchant to make a profit on your transaction.