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What Get2PayJared said.
MC/Visa charges a exchange fee which is a little below 1% and have different ways to set the exchange rate but normally is pretty fair.
The issuer of the card have an option to charge a flat fee, a percentage of the transaction, a combination of the two or a flat fee or a percentage of the transaction what ever is higher.
The owner of the ATM can then charge a fee as well, some do some don't, some countries it have to be disclosed in others it don't have to be disclosed.
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Truth Teller
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