Once you’re in Europe, use the ATMs for the best exchange rate.

True, your own bank will probably charge a fee for using ATMs abroad, as well as the foreign bank you use. Nevertheless, you’ll usually get a better rate of exchange at an ATM than you will at a currency-exchange office or even when changing money in a bank. And extracting funds as you need them is a safer option than carrying around a large amount of cash. Make sure before leaving home that your credit and debit cards have been programmed for ATM use abroad—ATMs in Europe usually require PINs of four digits.

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