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ATM

When Robert Hillestad tried to withdraw £200 from an automatic teller machine in London last April, he got a bait-and-switch. Almost literally.

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Automatic teller machine withdrawals are subject to all kinds of fees, to the point where Washington is getting involved. But new laws won’t protect you from ATM mischief when you’re overseas.

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Never give your PIN number to anyone. Ever. Derek Wilairat learned this rule the hard way on a recent trip to Rome.

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How’s this for a nightmare scenario? You visit an automatic teller machine while you’re in Europe. You ask for 270 euros. But it gives you nothing. When you return to the States, your bank insists on charging you for the transaction.

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