Only trouble we had this year using the ATM was that our cards got blocked!
After seeing Watchdog, we informed our bank of our holiday dates and where we would be. Apparently, people had been finding that their banks were blocking their cards while they were out of the country as a security procedure regarding unusual activity. Watchdog advised to tell your banks where and when you are going, but they did also add that, as banks are computerised, sometimes even this isn't enough.
On our first week Colin's card was blocked in spite of his having notified the bank, but mine worked fine. Then in the last few days of the holiday my card became blocked, so in desparation Colin tried his card again and hey presto, it worked!
(Admittedly it would have been a good idea to take the little card we were given by our bank with the telephone number to ring should there be any problems. I left it by the computer on our desk! derrr.........)