RK, regarding your ATM loss, if the card is branded Visa, Mastercard, etc. you may be able to use them for loss recovery. Also, debit reversals are not handled with foreign to Panama banks, and for me several times was able to resolve with my home bank. If your home bank is in Panama, then I don't know how that is handled. Ironically, several years ago, a guy in PC filed a denuncia against the bank for theft on an ATM shortage.