here's some info based on my experience? each credit card issuer has a bank affiliate and the ATM machines are marked accordingly. I'm not talking convenience stores, airport or small bank ATM's, I'm talking Main Street banks. On the machine it will clearly show you what their affiliation is. These are the machines we use for all our currency withdrawals when traveling overseas unless in a country serviced by ALLpoint which offers free withdrawals at those other locations. I bank with a bank that offers free ATM transactions so no fees, but even if there are fees, its still typically less than bureau de change type locations or god forbid, airport or hotel currency conversion places. just be careful if on a busy street to guard your pin and keep an eye out for cookie loos...we will try to use one thats in a bank lobby or entrance. then hubs and I split up the cash between us...hope this helps a little bit?