Best Australian debit card for overseas cash withdrawals?

[bernardblack]

Is Citi Plus still the best option for overseas cash? Obviously I haven't done a lot of international travel since 2019.

If I have to open some other account it might be time to get started, since we depart in five weeks.

(I'm set for FX-fee-free purchases, with a US Amex Gold backed with a Coles Rewards Mastercard and a Bundll account which charges to my Dragon Visa.)

 

[serfty]

macquarie - no fees, no hoops to jump through, mastercard exchange rate, and a high interest rate without the hoops. I used to have ING but shut it down, not worth the hassle and they still slugged me half the time

ING removed the 'hassles' maybe a year ago - no need for 5 purchases and $1000 to avoid. Yes, they no longer rebate locally charged ATM fees, but what Oz based product does these days?

 

[bpc]

ING removed the 'hassles' maybe a year ago - no need for 5 purchases and $1000 to avoid. Yes, they no longer rebate locally charged ATM fees, but what Oz based product does these days?

macquarie

 

[serfty]

macquarie

I use ING, Macquarie and HSBC ... (I gave uBank the @rse 'cause NAB.) Macquarie does not rebate Overseas (as in local when there) ATM fees.

Pointing out, I was, that with ING, the 'hoops' for fee free ATM use no longer exist. (I do like the ING (soon to be maybe) 5.25% interest though ...)

 

[SYD]

macquarie

MacBank doesn’t rebate OS ATM fees (which is what @serfty was referring to as “Local”).

 

[bpc]

MacBank doesn’t rebate OS ATM fees (which is what @serfty was referring to as “Local”).

ah. facepalm emoji

 

[kpc]

the ATM operator imposed fee?

This

 

[SYD]

This

The curse of OS travellers who still need cash…

 

[Happy Dude]

The curse of OS travellers who still need cash…

A pox foisted upon us by lousy greedy banks.

 

[clifford]

The curse of OS travellers who still need cash…

Just go to a physical money changer. You can get some pretty good rates, depending on the location and the currency.

ING removed the 'hassles' maybe a year ago - no need for 5 purchases and $1000 to avoid. Yes, they no longer rebate locally charged ATM fees, but what Oz based product does these days?

I'm sorry, but I must have missed this. These are still conditions on my ING account. YMMV (but if so, please tell me how).

 

[SYD]

Just go to a physical money changer. You can get some pretty good rates, depending on the location and the currency.

Yes, works in Thailand where they have silly ATM fees…

I'm sorry, but I must have missed this. These are still conditions on my ING account. YMMV (but if so, please tell me how).

As above, you still need the hoops and jumps to get the bonus interest.

 

[clifford]

Yes, works in Thailand where they have silly ATM fees…

And lots of other places, like Taiwan and Turkey.

 

[oz_mark]

Just go to a physical money changer. You can get some pretty good rates, depending on the location and the currency.

I'm sorry, but I must have missed this. These are still conditions on my ING account. YMMV (but if so, please tell me how).

The conditions still apply for the bonus interest, but should have been removed for the transaction account fees

 

[serfty]

Just go to a physical money changer. You can get some pretty good rates, depending on the location and the currency.

I know I can pre plan, and withdraw before departure, but how much?

FWIW, there's rarely more than $40 in my wallet at any one time these days and turn over maybe $150 a year through it (majority of hard cash comes from 10c bottle recycling every few months).

You need to research the ATM brands in the country you would be in and what fees may be charged.

 

[SYD]

I know I can pre plan, and withdraw before departure, but how much?

FWIW, there's rarely more than $40 in my wallet at any one time these days and turn over maybe $150 a year through it (majority of hard cash comes from 10c bottle recycling every few months).

You need to research the ATM brands in the country you would be in and what fees may be charged.

That’s how we knew to take some extra AUD to Thailand.

I otherwise try and keep a reasonable float of USD and Euro when I’m able to get them fee free.