I am lucky to have ATM cards from E-Trade ( 1 each from Bank & Brokerage) which not only do not charge a fee but also repay me for fees charged by the ATM owners ! Also, they use the mid-market rate to debit me in US$!

IF UR going to the UK &or Eurozone countries or even Canada, I recommend buying Marriott GCs to pay because the exchange rate of the Marriott GC center does not have the 3% fee of normal Visa cards!