Nat, you must learn in specific countries. In Moscow, a lot of foreign banks, beginning with Citibank. In Ukraine there are Russian VTB, Sberbank, is Raiffeisenbank, some Swedish, and others. Plus, some banks are international associations, such as Ukrsotsbank. As a rule, all members of the association are allowed free sem at ATMs throughout the association.
It must recognize a specific bank.
Bank may issue several scroll cards to one account, EM everyone on the map.
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