 | Use your Debit Cards as much as possible! This will get you the
best exchange rate. My Credit Union adds no fee. |
 | The second best choice are Credit Cards. This will get you the
next best exchange rate (like debit cards). My credit card company adds a
3% fee. |
 | Call your debit/credit card companies and let them know what you are
doing. I have had a credit card cut off while in Europe for
"unordinary usage". |
 | You can use your debit/credit card to get cash out of most ATMs. This will
be a cash advance (so there will be a little interest). Warning...call
the credit card issuer and verify extra fees for foreign ATM usage; for
example, First USA charges $25 per ATM transaction, BofA charges the
standard $2/hundred. |
 | If your PIN includes letters, determine the corresponding numbers, some
European ATM keyboards do not include letters! |
 | I always like to have a few hundred dollars worth of cash for use at bars
or to purchase small items. Most banks will send you the cash you need
for no fee (but a crappy exchange rate, plus a $7.50 fee). BofA customers may call 1-800-523-7860 for this
service. I suggest finding an ATM in the airport when you land. |