US Airports ATMs

[SYD]

In my case, it’s for tips on board the Silver Moon cruise ship. Not withstanding tips are included in the price, a good whack of money for the crew fund which supports amenities for those below deck as well i’m also happy to give and also I know the room attendant and Butler will work hard and I’m happy to cash tip them again too.

But the point of the thread was really to see if these days if there are a variety of ATMs within USA airports and I’ve seen nothing to suggest that that’s the case beyond Bank of America. So it looks as though I’ll be paying the fee which on the amount withdrawn won’t be a big thing.

I have seen other bank ATMs are US airports, but they’re still going to slug you. Washington Mutual was the last freebie but they went under during the GFC!

 

[Pushka]

Interesting. Those are all foreign atm fees?
It’s 0 overseas atm fee refunds, so I’d be impressed if you are still getting rebates

I think I am?

 

[Cynicor]

I think I am?
View attachment 416191

Ah, no. That’s them being cheeky.
They are charging you a fee for using a foreign atm, and then pretending they are doing you a favour by rebating it.
The foreign arm owner fee may be a seperate line transaction but is often built into the amount being withdrawn.

 

[serfty]

I think I am?
View attachment 416191

As per @Cynicor , ING have a fee which they rebate for up to the first 5 per month.

Overseas ATM operators may also have a fee. ING used to rebate these as well, but no more. Before this change I would get effectively 5 transactions for an ATM cash withdrawal where the ATM operator charged a fee:

1. Actual Withdrawal.
2. ING Fee
3. ATM operator Fee
4. ING Fee reversal
5. ATM operator fee reversal

(Sometimes 1 & 3 would be merged to the one amount)

Now, where the Overseas ATM operator Charges a fee you get effectively four transactions:

1. Actual Withdrawal.
2. ING Fee
3. ATM operator Fee
4. ING Fee reversal

(Sometimes 1 & 3 are merged to the one amount)
Note no ATM operator Fee reversal.

And if the Overseas ATM Operator does not charge a fee, three transactions:

1. Actual Withdrawal.
2. ING Fee
3. ING Fee reversal

 

[SYD]

As per @Cynicor , ING have a fee which they rebate for up to the first 5 per month.

ATM operators may also have a fee. ING used to rebate these as well, but no more. Before this change I would get effectively 5 transactions for an ATM cash withdrawal where the ATM operator charged a fee:

1. Actual Withdrawal.
2. ING Fee
3. ATM operator Fee
4. ING Fee reversal
5. ATM operator fee reversal

(Sometimes 1 & 3 would be merged to the one amount)

Now where the ATM operator Charges a fee you get effectively four transactions:

1. Actual Withdrawal.
2. ING Fee
3. ATM operator Fee
4. ING Fee reversal

(Sometimes 1 & 3 are merged to the one amount)
Note no ATM operator Fee reversal.

And if the ATM Operator does not charge a fee, three transactions:

1. Actual Withdrawal.
2. ING Fee
3. ING Fee reversal

You might want to qualify that for OS ATM transactions. ING will still rebate domestic fees (as applicable up to 5 times). So if you’re down the pub and the eftpos goes down, that handy cash machine outside the pokies, charging $10 to use is still in play if desperate for AUD.

 

[velli25]

As a Debit card or for cash at an ATM?

Also, where in Sth Am? They all operate differently.

Argentina, forget about using an ATM (huge fees, low withdrawal limits and not necessarily the best exchange rate. Foreign card payments attract a better exchange rate. Cash is still king however. Changing crisp US$50 and $100 bills for pesos was still very much the way to go earlier this year.

Uruguay, you can generally go cashless. Foreign CC/DC payments attract an immediate rebate of taxes (about 20% from memory). So silly to use cash.

Chile - couldn’t find a fee free ATM but cards were widely accepted.

Thanks mate.

Colombia / Chile / Peru / Argentina / Brazil / Mexico. It was for a debit card to withdraw small amounts of cash from ATM's at a time.

I found someones feedback on Reddit with the following:
These from my recent testing of foreign transactions in prep for our trip later this month. Only tested what we have not all, and only those that do not have explicit international transaction fees.

• Macquarie - good FX rate
• Up - good FX rate, ranked #2 because they closed the account of one family member who hasn’t used it for a year after it is used again to prep for this testing, and there is no way to re-open an account, thus we no longer all have an account each anymore, and for us it would only be a backup to Macquarie for those in the family still have accounts open.
• Wise - shows good base FX rate then has ~= 0.5% fee added to the rate, has monthly occurrence and amount limits, can pre-convert for supported currencies
• NAB (migrated from Citibank Plus) - FX rate has ~= 1.0% spread from spot rate
• HSBC - FX rate has ~= 2.5% spread from spot rate, can pre-convert for supported currencies
• For us the debit cards are mainly for ATM withdrawals, and backup if the credit card is rejected for some reason.
• We have the good old 28 Degrees credit card that we would prioritise to use wherever possible.

I think I'll go UP and suss out Macquarie / U Bank