How to Avoid ATM Fees When Living Abroad


“Folks don’t carry money around in their pockets. They’ve got to go to an ATM machine, and they’ve got to pay a few dollars to get their own dollars out of the machine. Who ever thought you’d pay cash to get cash? That’s where we’ve gotten to.”~Bill Janklow

banpro-1Twelve years ago, we had to go to the mainland to take money out of an ATM. The first time we took our neighbor kids to Rivas, the ATM machine impressed them the most. They were amazed at the small cool room, and it really blew them away when money came out of a hole in the machine. When they told their Papa about the miracle they saw in Rivas, he asked us if he could get a card for the money machine, too.

Today, we have at least five ATMs to choose from in Moyogalpa. However, our MasterCard debit card from our bank in the states is only accepted by one bank and one private ATM at the Mega Super grocery store. Recently, our bank sent us new debit cards with the digital chips. Now, the only bank that accepts our chipped debit card is BAC.

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