[QUOTE=Knowledge;2684550] this is my official position on Schwab vs any other option: Schwab is the best, there is no other viable solution.[/QUOTE]Having both Schwab and E-Trade is optimal. Schwab charges 3% if you purchase with their debit card and E-Trade only 1%. Both refund all ATM / cash machine / cajero fees but E-Trade charges a 1% fee on foreign withdrawals. So, for the dedicated traveler, Schwab for pulling cash and E-Trade for using the debit card for the rare situation where credit cards aren't feasible.