Depending on your plan, a fee of 1.5% (neon free), 1.0% (neon plus), 0.5% (neon global) or 0.0% (neon metal) will be charged on ATM withdrawals abroad. Many banks add a surcharge of 2-3% on the interbank exchange rate but don't really tell you about that. neon is about transparency and fair pricing: That’s why tere's no markup, just the maximum fee of 1.5%, no matter whether you withdraw CHF or local currency. (However, to avoid other fees, we always recommend withdrawing in the local currency.).