Best exchange rates in europe

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Johnny Tsouk

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Aug 20, 2016
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I am travelling overseas and need to some tips. When using your Visa debit card to withdraw money from an ATM in Europe, does that specific machine convert the money using ' VISA international's exchange rate, the bank your card is attached to ( i.E ANZ, NAB etc), or the exchange rate the local bank( whose ATM you're using) is offering ?.. I am not a citibank customer, so any advise of other cards I can use which offer the same perks?..
 
When I've used my bank card overseas the exchange rate is based on my aussie bank, not the overseas bank. The overseas bank usually charges an atm/withdrawal fee, but this isn't the exchange rate.
 
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