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First, please note that I am not asking about how this impacts my personal finances.

I would like to know the difference between fees going to VISA/MC and banks when using a debit card for ATM withdraws VERSUS fees when making a direct debit card purchase.

Put another way: Am I preventing money from going into the hands of VISA (and my bank) if I do an ATM withdraw and spend that cash VERSUS not using an ATM and purchasing with my debit card?

  • (my bank does not charge me for any ATM withdraws) – Cameron McDonald Feb 4 at 19:25
  • In what country? – Mike Scott Feb 4 at 19:30
  • I'm in the USA now. So USA banks, but I suppose I'm also interested in if the equation changes if I use my same card abroad (there's no foreign transaction/exchange fee). – Cameron McDonald Feb 5 at 20:37

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