I arrived in Istanbul a fortnight ago after 'setting up o/s ATM limits' to find that my card would not work in ANY ATM, not the HSBC, Citibank or even Union Pay machines as it constantly came back with "chip card error".
THEN I was delighted to find that HSBC 'the worlds bank' wouldn't change RMB or HKD!
Thankfully the branch manager there was patient and worked non-stop for 5 hours against HSBC HK to get an 'emergency encashment' for me.
I'm changing to Citibank!