[zingmars]

> not on the bank (different companies!)

Not necessarily. Here in Latvia banks manage their own ATMs and whether you will have to pay a fee depends on your bank having a contract with the bank whose ATMs you're trying to use (usually there is no fee for taking money out of your bank's ATMs with a few exceptions, i.e. my bank has a 10% fee on withdrawals from credit cards, though most have debit cards anyway).