I have for many years used Nationwide in UK for drawing cash in many countries when I have been traveling.

Unfortunately NW announced a month or so ago, that they will soon start charging for cash withdrawals on Debit Cards used outside Europe, however, at present at least, CASH CARDS will not incur any charge.

My wife's family have a cash card in Manila. I transfer money into that account, on line, when we want to send money. The family then draw the cash, no charge either end and probably the best exchange rate possible.

For about a year now PBI's ATMs accept the Nationwide card, previously they did not. HSBC we found was the best, as one could draw up to the daily limit in one transaction.

I understand Nationwide now restrict existing customers opening new accounts (I have three) however, I am sure one can get around that by say opening a joint/ separate account depending on they type one already has. Or getting a family member who does not have an account with them to open one.