So today I got hit with an EUR60 withdrawal fee after taking EUR2700 from an ATM machine in France. I called TW immediately to ask what is going on, since I had pre-loaded their debit card with EUR3000 beforehand and did an earlier EUR100 withdrawal just to test, which did not incur any fees at all. They told me that although I had made sure that my balance was in EUR on tw.com, and the ATM I was withdrawing from was an EUR ATM (in Metz, France) I was charged EUR60 because a conversion took place from GBP! My account has 0GBP on it and I do not even have a GBP wallet but was still charged such a conversion. Appears that the debit card itself, has a Currency Code attached to it!