Originally Posted by
NickB
IME, usually, it works the other way around: exchange rates are better when you transfer large amount rather than lower amounts.
Yup, I'm fully aware of that. However, I'm asking about *ANY* loophole, not just via actual conversion. So, for example, many USA-based checking accounts allow free ATM withdrawals overseas, with no forex fee or bank fees. I'd be particularly interested if anybody somehow had that kind of checking account in Europe...