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Speaking from a UK perspective - That depends on the individual bank concerned. Quite often your own bank will have an 'agreement' to allow you to use your card in other bank's ATM's. If your card has a Visa sign on it - you can usually withdraw cash from any ATM without charge. The only exceptions are ATM's in private businesses - such as a small shop - which charge a 'flat fee' regardless of how much cash you withdraw. In those circumstances, the fee paid goes to the shop owner - not the card company.

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