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I think that's also because in HK there are 2 ATM alliances: (1) HSBC/Hang Seng; and (2) JetCo - which is every other bank in HK which isn't HSBC or Hang Seng. Citibank is part of the Jetco network, so HK-issued Citibank cards get free withdrawals at all Jetco ATMs. You can even take a HK Citi card to, say, a Bank of China ATM and change your pin number and do other administrative things like activate overseas withdrawals on it.