UOB ATM had a 1.5 million IDR limit. Worked without issues.

In Kenya, GT Bank ATMs offer conversion, but choosing Decline Conversion saved me from paying extra fees.

CRDB ATM was easy to use, but yes-there were some fees.

Visited Netherlands in a big group from Germany, Austria, Spain, and Italy. We all used SNS ATMs and none of us were charged fees.

Three ATMs at MB Bank location - used a UK Mastercard with no fees. Notes were clean and crisp.

No line at DTB-walked in, got cash, walked out. Perfect!