If you have ATM card with the Cirrus and PLUS networks then you can use it overseas to withdraw money rather than bringing cash to exchange. I will recommend those who’re traveling frequently across various countries, then using the Cirrus and PLUS networks would be the best option as you no need to carry a lot of cash around.
They will definitely charge you the service fees whenever you withdraw. The fee is varied from each different bank but the great thing is it’s a flat rate. Let say if you withdraw cash using CIMB ATM card at Singapore then you will only be charge a flat rate of RM10 regardless of any amount. So, if the more you withdraw the less percentage of charges you have. Do you know why? Let’s see my calculation below: