<< Bank of America has branches in Oz....I was told that I can use my B of A ATM card to draw local currency....charged to my account at bank exchange rates. Anyone know if that is true? >> You don't even have to go to B of A. Go to any star or plus system in any country that has ATM machines. There will be $2 service charge on each transaction, so get a lot at once LOL You get the best rates doing this! I take advantage of this in France, Thailand, HK, every country I go to has them ATM's :-) Mary-Anne, Moderator TomatoFanatics@YahooGroups.com San Francisco Bay Area 25 miles East of SF USDA Zone 9b Sunset Zone 14/15 "Who plants the seed beneath the sod, and waits to see, believes in God."