Axis Bank in India gave me the same choice-With or Without Conversion. Go with Without Conversion to avoid getting charged more.

Another HSBC ATM in Taiwan-everything worked fine, no complaints.

Lawson Bank ATMs were everywhere during our 1-month trip across Japan. Super easy to find, especially inside convenience stores.

Canadia Banks ATM is open 24 hours - reliable for late-night withdrawals.

BNL had three ATMs-two were broken and the third didnt allow withdrawals. Totally useless.