I've always used the Citibank Plus transaction account for fee-free ATM withdrawals using mastercards curency rate (bar the atm owner fee on some of them) but the morons have disabled mobile app OTP. This means the only way to get your OTP is via a text message, hardly conveniant when you overseas and dont want to get hit with roaming charges. Your options are to contact them and changing your number each time you change local sim.
Who else looks just as good? I know ubank and hsbc also provide "fee free" international transactions but havnt looked properly into the other banks.