ATM-usage results in a fixed fee of USD 2.99, unless the withdrawal is made in RUB, in which case there is no fee at all. The fixed fee structure might be bad in countries where the normal ATM-machines only allow smaller withdrawals (USD 20 for instance). In such scenarios, in order to withdraw a larger amount you need to withdraw several times, thus triggering the fixed fee each time. Usually, however, you can go to a bank to withdraw higher amounts in a more efficient manner.