It seems that the problem may be ATM card versus debit card. We had no luck in Belgium with our ATM card and ended up changing dollars for Euros at a bank. (That did end my husband's making fun of me for my "paranoia" about having many ways of getting local currency.) Back home, on the advice of our credit union, we got debit cards and they have worked perfectly. We actually opened a separate checking account without overdraft protection for this card. We transfer money in and out of it as our travels dictate.

Happy travels, Janet Riverview Florida