Thanks to all those who responded seriously with the answer.
For the others, even those who seriously suggested I should search, I'd like to say that I did search this forum.
Perhaps I was using the wrong search terms but Searching on "Foreign Exchange" or "ATM" did not yield terribly useful results. It would be interesting to find out why.
As a regular user of other forums, I also sometimes think "why don't they search" but I also realise that "Discussion" is the point of a forum.