Step 1: Activate overseas withdrawal using your Debit/Credit Card - different bank has different requirement.
Step 2: Look for home bank's ATM (ie if Citi card, then look for Citi ATM) - charges is low (e.g. HSBC Debit $3.50/withdrawal). If can't find home bank ATM, then 2b
Step 2b: Look for any other ATM bearing your card's alliance group (e.g. PLUS, CIRRUS, etc etc) - charges is high (e.g. HSBC Debit $8/withrawal)
(note, if withdrawal from Credit Card, it will considered as Cash Advance. There should be cash advance fee payable... some with minimal flat fee $20 etc. So best to stick to ATM card).
International banking groups now make things safer and easier by delivering one-off security pin to your registered mobile number. So it is important to always bring our phone overseas.
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