Not sure if this has been suggested but the LH Miles and More card gets points and has no Forex fee. In fact the bank even eats the 1% fee that Mastercharge charges so you get darn near the wholesale rate. Plus you get points.

They don't advertise it but there is a no fee version of the card but it only earns half the miles. Still good for those M&M members out there.

Also be aware that both the Visa and MC rules require banks displaying their logo to do a counter cash advance. Not all banks follow this and I've been refused on occasion but unlike and ATM transaction there is no fee (Its not permitted) and you get the actual wholesale rate with no commission.

I've made large withdrawals using this technique, including at bank tellers right in the airport and the rate was spot on. Far and away the best way to do things if you have a debit card.