Dear Friends, Yesterday I got my bank statement. I was pleasantly surprised to find that the ATM transactions fees for cash while in Scotland was only $4.00, and the exchange rate was figured at the time of transaction. In the past I have taken Travelers Checks, and was charged for the checks, and charged a fee when I cashed them. ATM machines were plentiful, and it was a no bother situation. While I was waiting for my baggage in Glasgow Airport I went to an ATM machine and got cash. The following is the URL I used to find ATM machines: http://www.visa.com/pd/atm/main.html There is one catch, one must have money in their checking account! Best to all, Bob http://www.thefrasers.com This site is dedicated to all people of the name Fraser!! Please join in The Fraser Discussion Forum