Jun 13 2014, 04:03 PM
QUOTE(X.E.D @ Jun 13 2014, 03:09 AM)
If you'll be overseas in a country that has the access to global banks (HSBC, Standchart and Citi come to mind), it's sometimes advisable to use their local branches to withdraw vis-a-vis PLUS/Cirrus interbank.
(for example: HSBC charges RM5 per HSBC overseas ATM withdrawal vs RM10 + 1% (I think) on Plus/Cirrus. If you're Premier, you don't have to pay that RM5 too.)
Any kind of annual "fee" on a standard ATM card or checking account would be small in comparison to the interbank fees that you can avoid with overseas branches.
OT : if I have local Malaysia HSBC ATM card, do I need to inform local HSBC or fill up form/CS to inform ? (for example: HSBC charges RM5 per HSBC overseas ATM withdrawal vs RM10 + 1% (I think) on Plus/Cirrus. If you're Premier, you don't have to pay that RM5 too.)
Any kind of annual "fee" on a standard ATM card or checking account would be small in comparison to the interbank fees that you can avoid with overseas branches.
Or just go straight withdraw ?
What are the exact charges ? (as you mention above ?)
e.g. To withdraw at HSBC ATM along the street at Hong Kong.
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