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Best way to pay bill and get foreign cash in Europe

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Hello,
Usually when we go to Europe I use a debit Card for cash and Capital One for paying bills.
Today I checked with Capital One in case I wish to take cash using my credit card.
I was told that they charge .$10 dollars or 3% whichever is larger plus interest plus whatever charges the Europen bank owner of the ATM machine.
I was wondering which is the best way to go.I haven't been in Europe for a couple of years and I 'll love to get some advice. Is there any thing new? Thank you

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