Used my Mastercard at Santander in Brazil - worked fine. The fee displayed was R$20, but wasnt charged in my case.

Union Bank might prompt for conversion - choose Decline Conversion to avoid losing money on the exchange rate.

No commission or extra fees at DTB. I withdrew 400,000 TZS easily.

Do not use ANZ ATM in Cambodia - it may eat your card. I had serious trouble getting mine back.

Service at KCB was quick. In and out in minutes.