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ING Direct checking account - good in the Netherlands?

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Hi again -- As posted elsewhere ... I will be living in the Netherlands for ~ 4 months (Jan - Apr).

I recently learned -- to my surprise, since it touts itself as global -- that Citibank has no branches or ATMs in the Netherlands, France, Germany, or pretty much any of the places I am likely to travel. The Citi rep suggested just using my ATM card to withdraw money, incurring the 3% foreign exchange fee each time. Clearly that is suboptimal.

I am considering opening an ING Direct checking account here in the US. My thought is that, since ING is a Dutch bank, there should be no extra fees to use my ATM or debit card. However, I'm having a hard time figuring out whether the account would be valid in the Netherlands or not. Would a Mastercard debit/ATM card issued here by ING Direct be valid in the Netherlands?

Thanks!

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