Sonia
It's simple ... The card provider , provides the exchange rate not the ATM , who provides a service nor the ATM provider who leaves the exchange rate to the card provider because they are not allowed to provide a service as they are linked to the card provider who understandably says they cannot provide the exchange as the ATM are pals , only providing they follow the rules, and have provided suitable credentials.
I will read this again, tomorrow , providing I am not provided with Ouzos , prior to providing a big sorry for typing , for which I cannot provide a suitable answer, except it was late here. (Best delete it now - Providing I hit the wrong button!)
Negg