/u/JacobAldridge on ING has no Transaction Fees, but does the Exchange Rate stack up? (My research today says yes)

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Does anyone find that No Foreign Transaction Fee is a scam?. it seems like that AMEX loaded the cost back to exchange rate – so transaction fee disappears but you have nothing else to save up.. However, my ATM cards stack on out of network atm fees and foreign currency fees like crazy.

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