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Re:How to Travel: On the cheap, like a local, and without a ... by rockinghigh on Friday October 14, 2022 @05:29PM (#33209023)
You're right. In order, the cheapest options are:

1) an account in the local currency with a debit card;

2) credit cards without foreign transaction fees and cash- back

3) ATM withdrawal with a no-fee debit card

Changing USD in cash to get local currency is almost always the worst option. They charge 5%-10% on the exchange rate plus whatever fees.

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