Should I use my credit card at the ATM?

No. Taking cash from a credit card is a 'cash advance.' You will be charged interest immediately, usually at a higher rate, and likely a large flat fee.

How do I know if my bank refunds fees?

Check your account agreement or call the number on the back of your card. Look for terms like 'ATM fee reimbursement' or 'International ATM rebate.'

What if an ATM swallows my card?

Go inside the bank branch immediately if it is open. If closed, call the number on the ATM or your bank's international collect-call number to cancel the card.

How to avoid ATM fees while traveling abroad

Use a bank card that refunds international ATM fees and always select 'debit' rather than 'credit' for cash withdrawals. Crucially, always choose to be charged in the local currency to avoid the bank's unfavorable 'Dynamic Currency Conversion' (DCC) exchange rate.

Choose the right bank account. Open a checking account with a provider that rebates ATM fees worldwide, such as Charles Schwab or a local credit union with a global ATM alliance. This ensures you aren't paying the $3–$7 service fee every time you pull cash.
Disable international 'Dynamic Currency Conversion'. When the ATM asks if you want to be charged in your home currency or the local currency, ALWAYS pick the local currency. Choosing your home currency triggers DCC, where the bank sets a predatory exchange rate that can cost you 5–10% more.
Use bank-affiliated ATMs. Avoid 'independent' ATMs found in convenience stores, airports, or tourist trap areas. Stick to machines physically attached to a major local bank branch to minimize skimming risks and lower access fees.
Withdraw larger amounts. If your bank doesn't refund fees, minimize the impact by taking out larger amounts less frequently. A flat $5 fee is a 5% loss on a $100 withdrawal, but only a 1% loss on a $500 withdrawal.

Should I use my credit card at the ATM?: No. Taking cash from a credit card is a 'cash advance.' You will be charged interest immediately, usually at a higher rate, and likely a large flat fee.
How do I know if my bank refunds fees?: Check your account agreement or call the number on the back of your card. Look for terms like 'ATM fee reimbursement' or 'International ATM rebate.'
What if an ATM swallows my card?: Go inside the bank branch immediately if it is open. If closed, call the number on the ATM or your bank's international collect-call number to cancel the card.