If your card was issued in Australia, New Zealand, or Singapore**: You can take out money for free twice a month — as long as the total amount is 350 AUD/NZD/SGD and under. But after that, we’ll charge you 1.50 AUD/NZD/SGD per transaction. This is a fixed fee. If you take out over 350 AUD/NZD/SGD in one month, we’ll charge you 1.75% on top of that.