Comment by jermaustin1 | Hacker News Reader

Comment by jermaustin1 | Hacker News Reader

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I cannot tell if you are being sarcastic or not, but here in the US almost ever ATM that isn't at YOUR bank will charge a $2-$5 fee for withdrawal and then the bank will hit you with another $2-$5 fee. So depending on your bank, if you want $20, it could cost you $10.

OR (story time) if you are like me, and you end up needing cash in rural Oklahoma to pay an upcoming cash-only toll, and you pull off at the ONLY gas station between you and the toll, you could get hit with a $20 fee to pull out $20 (because its a freaking casino).

That said, there are many online-only banks that are part of ATM groups that have 100k free atms at various places all over. I use them.

And when traveling abroad, oddly enough the best cash card I've ever had is a CapitalOne debit card. I only use it when traveling, but no FX fees, and no ATM fees. So in the UK, most of the major banks and grocery chains have free ATMs, so I get free access to my money even abroad.

I’m not being sarcastic. The two countries I have experience with are the Netherlands and Japan, and the cost is 0 and the equivalent of $1.5, regardless of the amount withdrawn, respectively.

In the Netherlands I think I pay a $3 monthly fee for the privilege of having an account, but Japan is free.

In Australia and New Zealand other-bank ATM withdrawal fees are $2. International withdrawals depend on where you are but 3% or $5 (whichever is larger) is common. This is additional to whatever forex rate they give you.

It's only recently that newer banks are removing these fees.

However, accounts are generally free.

An interesting thing when I was in the US with a non US visa card was most of the ATMs didn't charge any fee. Something to do with international legal agreements. It might be worth you trying to use a non US card, perhaps transferwise or revolut.

> I only use it when traveling, but no FX fees, and no ATM fees.

Do they reimburse your ATM fees if you were to use a third-party ATM in the US, or just not charge you an additional fee to withdraw at third-party ATMs?

I actually have never tested that theory out. I probably have $30 on it currently (haven't gone out of country in a few months, so haven't needed to fill it), I'll try to pull money out at the next ATM I come across and reply here.

I just searched up the webpage [1], but there's nothing on it suggesting that Capital One would reimburse your fee.

I'm not based in the US, but I've heard that Schwab and SoFi are the popular ones that would do that.

[1] https://www.capitalone.com/bank/debit-card/

Chase Sapphire reimburses me third-party ATM fees.

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