In Sri Lanka every bank we tried was free!! FREE!
And in India most banks are also FREE!! Bank of India was our go-to bank.It worked well with our “plus” card and sometimes would let us take out more than 10,000 rupees at a time.
Nepal on the other hand is a different story. Every ATM in Nepal charges a 400 rupee surcharge for international transactions. This means that, regardless of what your card costs are with your bank back home, you will be charged an extra 400 rupees. They do this by adding it onto the withdrawal amount. So if you are trying to withdraw 10,000 rupees, in actual fact you are withdrawing 10,400 rupees but the ATM only dispenses 10,000. It’s sneaky and completely unavoidable.
To add salt to the expensive wound, every bank except Nabil bank (green sign) allows only a maximum of 10,000 rupees to be withdrawn at each time. That’s about $4 for every $100. Ouch.
Our beloved Nabil bank however, allows you to withdraw up to 35,000 rupees at a time for the same 400 rupee fee. Saving you about $10. That might not sound like much, but considering that $10 is more than we spend on food a day for a family of 3, it’s a lot here.