I was just going to chime in my two cents worth.... ATM's are the only way I ever exchange/get money overseas. To be sure, I keep a little changepurse of euros, pounds, and pesos to prime the pump.... that's typically just left over money from my last trip. Ever since ATM's came into existence that is where I get my money. Seems to be just about the best exchange rate as well. I also check on my Bank's website and can usually find 'compatible' banks overseas, i.e. banks which charge little or no extra fees for using their ATM.