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Australian based card for ATM withdrawals overseas

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The last few trips away I've used my 28degrees card to withdraw money from ATMs. However, they've now added a 3% transaction charge for ATM withdrawals (but not purchases, I think). Do any Australians know of a good alternative? Anecdotally, I've heard the exchange rates on cards like the bank and Australia Post travel cards are very poor (but worth it if you can be confident of locking in a good rate in a declining market). What about the Ozforex travel card? Is there a new alternative to the 28degrees card?

I understand that a crystal ball may be needed for the average punter to predict exchange rates. And that costs can be concealed in varying exchange rates so both fees and rates need to be considered together.

Would really appreciate some advice as transaction charges can really add up. And the rapidly declining AU dollar is already impacting on the costs for my upcoming holiday (and, yes, I do understand that that can be good for the economy in general).

Thank you.

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