This works out to be extremely expensive and should be avoided unless absolutely necessary. Overseas ATM Fee: Typically around $5 per withdrawal, unless you are using an ATM with which your bank has an alliance with. Cash Advance Rate: The base rate of interest for cash advances would be applied, which is typically around 22%. Overseas Cash Advance Fee: Charged in addition to the base cash advance rate. Foreign Exchange Fee: Because you probably will not be able to withdraw AUD.