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While stores have been occasionally challenged because none of my credit cards have chips, only one (a Clark's shoe store in England) couldn't accommodate my American plastic. I have never had an ATM/Bancomat refuse my US debit card.

If I had to pick a bank to use internationally which could make accommodations in many countries, it would have to be HSBC. While I am not a fan of their bank, they have become an indispensable convenience in personal international banking (being a premier customer helps a lot with them and is far less "expensive" than in any other financial institution which offers services otherwise only found in a "private bank".

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