Speak to a manager at your bank about your trip. Tell the manager where you're going and ask if your card will work. Some banks will freeze accounts with strange charges, so ask your banker to lift any alert systems. Also ask about fees for using your card out of the country. Ask about the networks your card uses. The Cirrus and PLUS networks are popular in America and also work worldwide. Consider changing banks or opening an account at a bank that uses one of these networks.
Change your PIN code to a a four-digit number. Most international ATMs only accept four-digit ATM PIN codes. Chose a PIN code that's not obvious or easy. For example, 1234 or your birth month and year are both poor selections.
Find ATMs in your destination country in advance that work with your card. Call your hotel to ask about ATMs in the area. Ask about the safest ATMs to use. Write down the location of ATMs.
Pack a backup card. If your wallet is stolen, you could lose access to funds. Pack the second card in your checked luggage. The second card should be to another bank.
Insert the card into the ATM. Even if you're in a non-English speaking country, most ATMs include the option to proceed with English directions. Pick an ATM that is an a well lit area and avoid using ATMs late at night or in deserted areas. Enter your PIN and withdraw the money in the local currency.
