Used a MoneyPass ATM in the US with an Emerald Mastercard - worked fine and totally fee-free.

I used CJ Arequipa and got charged 19 soles, but honestly that was still cheaper than other ATMs. It worked fine.

KTB has ATMs all over Thailand. Everything worked perfectly.

Moved to Portugal recently from India-sometimes Banco CTT ignored my Decline Conversion choice and still applied it. Be cautious!

Visa card worked fine at HSBC Canada. Smooth experience. Yes but amex also accepted here

Flat fee of 20,000 LAK at Laoviet Bank, no matter how much you withdraw. Fair and transparent.