用DBS最好Link: google search "dbs bank card" (好像我现在不能发link) 1. There's a charge of S$5 per cash withdrawal on overseas Visa/PLUS ATMs. 2. Cash withdrawal at DBS Hong Kong, DBS Indonesia and DBS Taiwan ATMs will be free of charge. 注意提高overseas withdrawal limit. 试过在DBS香港只让拿1000还是2000港币，差点气晕。 3。The amount withdrawn in US dollars shall be converted to Singapore dollars on the date of conversion. The amount withdrawn in foreign currency other than US Dollars will be converted into US dollars before being converted into Singapore dollars. All conversions shall be based on the prevailing wholesale interbank rates or the government-mandated rate. wholesale interbank rate是最好的汇率了。唯一吃亏是要换两次。 4. DBS Taiwan ATM: google search "dbs ATM 服務據點" 5. 我在台北时都是用捷运站的国泰金ATM拿的钱（比较懒），印象中不比money changer差。当然比起在DBS ATM取会赔了手续费。