ATM are programed to pay out money based on what they have in "caixa". Thus, when the supply is low, you get less. I use HSBC here in Goiania. Withdraw R$1,000 at a time. Only once, I wasn't able to get that amount. BTW, we talked way back in 2001 when you first arrived. Glad to see you have survived. :-)

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I never had problems until about 6 weeks ago. The amount you can withdraw often is based on the amount remaining in the ATM and is not necessarily a reflection of your bank's withdrawal limit. HSBC seems to allow the largest withdrawals. My problem has been that my withdrawals are authorized on one day, with the exchange being X and then when the transaction completes, the exchange has changed and the bank sees a different figure, and debits my account twice. I try to minimize this by not doing an withdrawals near a weekend when the exchange us subject to greater fluctuation by the settlement on Monday.

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