I've never been charged a fee by a European ATM, and my credit union doesn't charge me fees either.

As to odd hours, bank-operated machines can be found at odd hours. There was an ATM just outside Her Majesty's Theater that I used when I came out of Phantom of the Opera at about 11:00 pm.

I should mention a problem I had with that machine. It wouldn't give me the 100 pounds I was asking for. I was getting frustrated as I retried and retried, and a line was forming behind me. Then I suddenly remembered a withdrawal I had made earlier. Sure enough, I was trying to exceed my daily limit; the machine gave me 80 pounds when I put that in.

I never have figured out what a day is as it affects my daily limit.

Regards, DAVE HATUNEN Tucson Arizona, out where the cacti grow