Using my ATM card in Germany?

i'm little confused how withdrawing atms work when travel europe. have contacted bank , said there 1% foreign transaction fee , $5 fee per transaction @ non partnering atms.

if want withdraw 20 euros, take $20 plus 1% out of account? or use exchange rate , add %1 charge on top of that?

help!

i'm little confused how withdrawing atms work when travel europe. have contacted bank , said there 1% foreign transaction fee , $5 fee per transaction @ non partnering atms. if want withdraw 20 euros, take $20 plus 1% out of account? or...

Travel Germany Other - Germany Next