🏝️ Isla Mujeres

Casa Mango → everything nearby
Use TD for ATM cash. Per ~$300 pull at HSBC:
TD non-TD ATM$3.00
3% foreign txn~$9.00
HSBC local~$2.00
Total~$14
Before trip: Mexico travel notice + raise daily ATM limit.
Backup only. No Mexico ATM partners.
WF intl ATM$5.00
3% foreign txn~$9.00
HSBC local~$2.00
Total~$16
40-day plan: 4 pulls × $300 = $1,200
TD total fees~$56
WF total fees~$64
Savings w/ TD~$8
• Decline currency conversion
• Use HSBC by ferry primary
• Amex Plat for cards (no FX)