Originally Posted by Nick_awt

Thanks for that.

I didnt read it thoroughly, but in the section "charges made in foreign currencies" , it looks like its up to the 'foreign bank' to levy currency conversion charges if they wish. Which obviously they will do, as always.

So ATM withdrawal fees in non-US currencies look like $2 + 2.5% + currency conversion fee (an additional 2.75-4% normally). So thats crazy if true.

If that is in fact correct, this card is pointless for people using it to withdraw in non-us currenices, and the best way is to withdraw to external card.

Fees are $6 + 3% (i think you might lose another 0.25% when your local bank credits you) and you funds go into your bank/credit account within a few hours to a few days.