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I use a Citibank Readicredit card for overseas cash withdrawls. There are no foreign exchange fees or ATM fees. I have been able to use it almost everywhere. The only exceptions I have found have been one day in Helsinki (None of my cards works, including Mastercard, Cirrus or Readicredit, so perhaps a local problem on that day for foreign authorizations), and in Malaysia I had 100% success with Maybank ATMs, but no success as the few other banks I tried - Maybank is by far the largest bank in Malaysia. Be aware that most ATMs in Malaysia are not 24 hour accessible, just s few at places like the airport, main centres like Maybank's Menara head office etc.
I have not had to do over-the-counter exchanges in many years. Always just use ATMs and make sure I carry a few cards just in case one gets lost, compromised or eaten by a machine (as happened to me in Luzern in Switzerland on a Saturday night).
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