I was discussing this credit card interest charge on ATM withdrawals with someone on a forum recently (I never do it}. He/she gave an example of how much you would have to pay if you withdrew a big sum at the start of your billing period and had a full month's interest charge. It didn't amount to very much {providing you pay off in full at the end of the billing period}. So you would still be ahead of money exchange in Turkey, further ahead of money exchange in the UK and a very long way ahead of "bad" cards. NOTE: "Bad" here simply refers to overseas spending. It doesn't mean that you have a bad account in the UK. I do my main banking with Santander which pays 3% on large current accounts (up to £20,000) and gives 3 or 2 or 1 percent cashback on utility bills. It is the best UK current account for me. But I wouldn't use their cards abroad. Instead I use Norwich & Peterborough debit card for ATMs (great for £0 + 0% withdrawals abroad but useless as UK main account) and a long-standing Nationwide card credit card (no longer available} for purchases (also £0 + £0%}. If I didn't have the Nationwide card, or their policy changed, I would go to Halifax Clarity instead.