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AndyNancy 07-15-2010 07:01 AM

Heading to the med next month and was reading up on money and exchanges, etc. I have read a lot about using the ATMs in Europe and think that may be the way to go instead of carrying large sums of U.S currency. My U.S. bank does not charge me to use an ATM in my network while in the U.S. I will call them to see what the charge (if anything) for me to use my ATM card in Europe. I know my Capital One doesn't charge a foreign exchange fee, but not sure about ATM fee. I'll check that out.

Now, the question I cannot find an answer to is.......will the ATM machine charge me a fee?

In example: If my bank says, yes, we will charge you 2 euro to use an ATM in Europe. When I go to an ATM and withdraw 100 Euro, will I be hit for 102 euro or 102 euro plus some machine fee?

Thanks in advance!

Jim C. 07-15-2010 07:26 AM

I think that is going to vary from country to country and ATM to ATM. You'll have to wait and see when you get there. Most of the ATMs we saw have an "english" button so that you can read what you are agreeing to. If your card does not charge an exchange fee then you are in good shape but I would expect to pay a ATM fee at most machines.

If you have a "free" network you can use, go to their website and see if they have machines in the places you are going.. it may give you an idea of how likely it is you'll be able to find a ATm in your network there.

Cruise Fanatic 07-15-2010 07:51 AM

It is advisable to contact your credit/debit card company when traveling overseas. You can ask them when you call about any foreign exchange charges. Will the owner of the ATM also charge a fee? Probably. If you exchange US dollars at a foreign exchange you will usually have to pay a commission. It's hard to get around paying some form of fee no matter which method you use. Here is a site which may help you find ATM locations.

wooddon 07-15-2010 08:02 AM

There is always a ATM fee, plus you have to pay the going exchange rate. Nothning is free these days!!!!

AndyNancy 07-15-2010 08:46 AM

Thanks for the input. I plan on taking an amount of U.S. $, but since I will have to pay an exchange fee anyway, I may as well use an ATM for the bulk of my money needs. That way I only carry what I need for a few days. Guess there's not much difference: pay the bank exchange fee or pay the ATM fee.

Thanks again.

Jim C. 07-15-2010 08:59 AM

Your going to need some Euros before you get there for taxis and such. The trains and subways can be paid for by credit card but a short taxi ride may require cash.

wooddon 07-15-2010 09:13 AM

Be very careful, a lot of people and business will not take US dollars in Europe. we found that out the hard way. It will be best you take some Euros to get started. PLus another thing to remember that most business will not take a credit card if it does not have the clip feature. My best friend found this out the hard way also.

AndyNancy 07-15-2010 11:30 AM

I don't expect to be able to use U.S. $ in Europe. I would exchange at a bank for euros. I plan on getting a few euros in NYC before boarding flight to Rome so I will be ready upon arrival.

wooddon, can you explain what you mean about the "clip feature" of a credit card?

wooddon 07-15-2010 12:42 PM

On all of the new credit card there is a computer clip inside the card where you swipe the card thou a machine yourself and enter a PIN number, same as a debit card. There is no requirement for a signature. In Canada, whenever we get a new credit card they all have this feature and require a pin number which only you know. My friend went to England for a vacation and still had his old credit card and he had a very hard time finding anyone who would take this. Europe is way ahead of us in new stuff.

AndyNancy 07-15-2010 05:15 PM

Gotcha. Thanks wooddon!

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