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question for bank of montreal customers - withdrawing in paris/europe

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hello fodorites,

i have a very specific question directed at fellow canadians who are also bank of montreal customers.

i have read through several threads about withdrawing cash in paris/europe instead of carrying euros from home.

i called BMO today and they told me that if i withdraw money from a foreign bank machine, i will be charged BMO's exchange rate. i compared BMO's exchange rate against XE.com and found that BMO's is about 5-7% higher than the 'real' rate.

if what the rep is telling me is true, then it doesn't seem like there would be any financial advantage in waiting until i got to paris to make any cash withdrawals from local ATMs.

can anyone help me suss this one out? i'm not sure if i spoke with a misinformed agent.

thanks!!

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