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A couple of things...
There is an exchange rate set by VISA and MC, but more card program managers, up charge that, like faxxaf mentioned - This should be listed in the terms and conditions.
Regarding SallyRands comments about ATM fees, there are two atms fees, one charged by the card issuers/program manager and one charged by the ATM itself.
Card issuers/program managers cannot control the ATM fee at the actual ATM nor do they share in it.
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