OK, we live here, but our pension funds have to be deposited into a US bank in dollars, so we are ATM users.
In the last few months things have changed, and yesterday we made a few discoveries. Hopefully this will help others.
Soriana has four ATM's. All but one charge about 33p per transaction, and all of them allow us to withdraw up to our US dollar limit in several transactions. Scotia Bank listed their fee yesterday as 100p, so we didn't use them.
Santander will let us get 8,000p per transaction, but just started stating the exchange rate. Yesterday it was 17.8. Two buttons, Accept or Decline, I pushed Decline and out came my card.
HSBC will also let us get 8,000 per transaction and started stating the exchange rate in January. Yesterday it was 18.4. Two buttons, Accept or Decline, I pushed Decline, and out came my 8,000p! Checked it at home, and including the transaction fee, the rate was 19.12. Interesting.
Banamex will let us get 6,000 per transaction and yesterdays rate was 19.2 including the transaction fee. They do not tell you what the rate is, we have to check it at home.
We found it to be fascinating, and will make a point of checking the rates before we go to get money in the future.