Got Bank?

It seems that there are a lot of fees when taking out cash internationally. There are fees from the merchant, network, card issuing bank, and for the person who calculates the actual exchange rate.

Here is a good resource of what I am talking about
http://flyerguide.com/wiki/index.php/Credit/Debit/ATM_Cards_and_Foreign_Exchange

I was thinking it would be ideal to have access to a banking account than use cash back on a credit card. (Don't know if you saw but it looks like Capital One would be the best). It seems that The Hongkong and Shanghai Banking Corporation (HSBC) is ideal. They are all over southeast asia (such as Thailand, India and Malaysia), central America (Honduras, Costa Rica and Panama), and South America (Brazil and Argentina, just to name a few). They have applied for a permit to enter Lima, Peru's banking system.