With the Citibank Plus account, Citibank does not charge any fees for overseas ATM withdrawals and gives a good exchange rate.

If the overseas ATM has a fee for using it (as many do in USA), you have to pay that fee.

The 28 Degrees and Bankwest Zero Mastercards are credit cards that can be used to pay for purchases overseas with no fees and a good exchange rate. They are useful both for travelling and for Internet purchases.

We have used the 28 Degree Mastercard and Citibank Plus Debit card for a number of overseas trips in recent years, including in countries such as Germany, Austria, Italy, Slovenia, Denmark, Norway, Latvia and Russia, and also Singapore and Hong Kong. We have had no trouble with either card and liked the fee free conditions; ATMs were easily found wherever we went. Highly recommended.

I have'nt used it in Europe but I have used it in Mexico and USA and would definitely recommend it. No fees, good exchange rate, easy to keep track of your balance with the phone app.

We did have to pay ATM fees for the Mexican ATM's but much less than the fees on a prepaid card.

went in to the Citibank branch in the city last week to ask about fee free ATM withdrawals overseas.

it is fee free with the Citibank ATMs but sometimes they are not too common in some places,

happy to find out that withdrawals are fee free at ATMs with the PLUS logo...see the logo at the back of your card (if you have one)

just back from Japan where our Citibank card was used at Citibank and at ATMs with the PLUS logo.

we were charged a fee for each transaction. about 3 % of the transaction

I think that all Japanese banks charge a fee for ATM transactions....is this correct?

Can't comment on Japanese banks fees though in any country where I have been charged a fee it was a flat rate per transaction, not a %. I just looked at the Citi site and there were 87 branches or ATMs in Japan where you could have withdrawn fee free.

For others who may want to know where these are, go to the Citi website, then click <banking> then <global banking> then <travelling overseas> then <find us> under ATMs and Citibank locations. Then enter your location. We travel to Portland OR and they have no branches, but they do have several Citi ATMs located in convenience stores.

I can't speak to Citi ATMs in Japan, but I have checked some bank statements from my last trip there where I exclusively used Seven Bank ATMs (at 7/11 stores) with my NAB Visa Debit. I can't imagine other banks' cards would be treated differently - they are all foreign to Seven Bank.

Example withdrawal was 30000JPY on 24th November 2013. The amount charged was 330.61 AUD plus a separate 4 AUD fee (NAB's foreign ATM fee). Using the Visa exchange rate calculator ( http://usa.visa.com/personal/card-benefits/travel/exchange-rate-calculator-results.jsp ), the rate on that day was 1 JPY = 0.010804 AUD, or $324.12. Or if recalculated with a 2% foreign exchange margin, which is what my NAB Visa Debit should charge, the rate should be 0.011020 , or $330.60 - only $.01 different from what I was actually charged.

Therefore I think it's pretty clear that Seven Bank did not charge any ATM fees, at least back in Nov' 13. And I can't see anything on their English web site that says they do now.

I don't know about Japan either. In Mexico the fee varied from bank to bank, but was usually around $2-3 I think, and a flat fee no matter the amount you took out. The fee is charged by the bank that owns the ATM, not Citibank.

I should note this calculation also shows the savings if I had a Citibank plus card - I would have saved both the $4 fee and about $6 of exchange margin on that transaction. So far I don't travel internationally enough to make this occasional savings worth the hassle of another bank account, but it's certainly something worth considering.