lahat naman ng banks mababa ang interest rate, kung injterest rate ang habol mo then do not put your money in the bank. since you say you will be travelling around what you should look at is the charges when making overseas atm widrawals. some charge a fixed x$ for widrawals (but this will have a maximum x$ transaction also), some charge x$ for every $100/200/etc. also if you intend to use your atm card as a cash card (visa electron, etc) check out also their charges for purchases made with the atm card. see also if there is a charge when the card is rejected for use for purchases.