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I am living abroad and one tip I got was to get a Charles Schwab checking account as they reimburse international ATM fees.‎ I checked my account and didn't see reimbursements,‎ and so I contacted support,‎ and they said the reason I haven't gotten reimbursements is that I haven't gotten any ATM fees,‎ and that their experience is that ATM withdraws of one currency in another currency often don't have fees.‎ Does that sound right?‎ Any idea why that might be?‎

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    Every bank its one rules. If you think you have been charged a fee due to an international transaction (often in the form a slight lower exchange rate), you should be able to demonstrate that from information provided by your bank. It's probably accesible online if you just dig a bit into those particular transaction details. – ouflak Oct 17 '20 at 10:54
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I can confirm that there are no fees charged (8 years with CS). It may be because the Visa network uses a differential in the exchange rate to make their money. It’s not CS that does the currency conversion, it’s Visa.

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    The 'fees' are likely hidden in that different exchange rate. This way they can still claim to charge no fees. It's an established tactic. – ouflak Oct 17 '20 at 10:56

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