Thunder99
I stand by what I said.
VISA sets the exchange rate I don't believe they use the exchange rate but an average of the previous days spot rates and charge a 1% fee for the exhange. We don't charge anything extra beside the $2 fee for ATM withdrawals.
This is an example for myself.
I took out 150.00 DKK at a ATM it costs me $-32.42 + $2 fee.
In the picture below I did a calculation on my banks website to see how much I would get if I went into the bank with $32.42 and as you can see the difference is tiny (less than 1/3 of 1 percent) please note the withdrawal was on Friday and the exchange rate was for today.
