withdrawing from a cashpoint

thanks 

Probably, but not me.

What I do know, however, is that you should not just look at the handling fee.  You need to work out what the actual 'combined' apr is.

ie a 1.9% rate with a handling fee of 2% over 5 months, will give you (assuming you can use it for all of the 5 months) an approximate actual apr of 7.18% over the 5 month period.

a rate of 2.9% and handling fee of 3% over 12 months, will, however, give you a best apr of around 6.59%, and you get it for 2x as long!

For life time balances that you intend to keep for 2+ years, the actual handling fee is not very important as a chnage from 2% to 3% handling fee makes a change in the apr of only 0.7% for balances you intend keep for 2 years.  It is less if you intend keeping for longer.