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Best way to access Australian-based cash on holidays in Europe?

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Hi there,

I am wondering if there are any simple and 'inexpensive' ways to access my cash while I am traveling to Europe.

According to my bank - ING - I won't get charged transfer/exchange fees if I withdraw from an overseas teller machine. I will pay a flat AU$2.50 per withdrawal. However they also pointed out I will likely be charged a transaction fee by the bank which owns the machine. They also said all credit card/visa debit transactions in stores and restaurants etc would be charged a fee of 2.5% of total transaction. This is also charged to withdrawals made inside a bank.

My questions are:
1 Does this advice sound correct?
2. Does anyone know what is the rate charged by banks to use their ATMs with a foreign card?
3. Will I also be charged exchange fees in other ways?
4. Is there a better way? Such as a travel card? Any advice from Australians here would be much appreciated.

Thanks,
RT

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