Hipotecario offers no-fee transactions. Small air-conditioned ATM room behind a glass door. Very convenient and discreet.

Tried to withdraw NZD 40 from a TSB ATM in New Zealand, but it wanted to charge me NZD 7 - I canceled. Was using an Aussie Mastercard debit.

Used my debit card from home at Union Bank and paid Rs 30 in fees.

IndusInd Bank ATM had working air conditioning, machine worked fine-but not the cleanest environment.

Used my UK Revolut card at ING and it was fee-free! Always nice to find an ATM that doesnt add charges.

Alpha Bank ATM in Athens was low on cash, but I managed to get €500 with a foreign Mastercard.