Optimise ATM fee and limits
For cash-heavy users, the ATM fee and any free-withdrawal allowance dominate net value. A small free monthly limit can be worth more than headline cashback.
Mind the stacked fees
Issuer ATM fee + local operator fee + FX abroad all stack. Factor them together, not separately.
The ranking
Our ATM use-case page sorts cards by ATM fee and net value at high withdrawal usage.