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cash from ATM

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What is the cheapest and safest way to get cash from European ATMs; I'll be using Euros and croatian money (all the B&Bs ask for cash). If I use a credit card I'll be paying interest on the cash advance from the moment the money comes out of the machine, plus 1% currency conversion fee, perhaps a fee to my bank and any local ATM charges. But if I use a debit card then I'm liable to lose all the money in my account at home if someone steals my card or my information, although there still might be that 1%conversion fee and any foreign ATM charge, but no other charges from my bank. What to do?

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