When in need for cash in a foreign country, one is presented with several options. They are, in order from best to worst: Withdrawing with a credit card at a local ATM. This is a good option because the home bank will use the inter-bank rate for converting from foreign into home currency. Banks might charge an “overseas ATM use fee”, but those are getting rarer and have never been an issue with online banks like TransferWise or n26.