I use same approach as RCyyz. ATM at destination.

I have a TD Select Service account and find it to be a good value as Plus fees ($5) are waived.

Of course you still get nailed on the FX conversion but I haven't found a way around that anywhere.

The account is $25 per month but they waive that too if you keep a minimum balance. I think all the big banks have a similar account product.

The opportunity cost of having the minimum balance not earning interest is always a consideration but I treat the money as my emergency fund.

Anyhow....getting a bit OT...