A few years ago Bank of America added a 3% "foreign transaction fee" for using their ATM card at member banks in Europe, e.g. Deutsche Bank, in Germany. There is still no fee from Deutsche Bank or Bank of Am. to use the those ATMs and the rate is still the best you can get. But the 3% fee still bugs me. I've been to Europe 35 times with over 700 overnights, so I'm pretty experienced with the whole ATM, credit card, money thing.
I've heard that there European banks where there is no charge (from either the European bank or Capital One) to use a Capital One ATM card and where there is NO 3% foreign transaction fee. Plus, the same great rate I get with Bank of America.
Does anyone have any first-hand experience using a Capital One ATM card in Europe, particularly in France (where we're planning to move next summer)?