thanks to all your advice, and especially yours klevin99. My daughter will be attending Oxford(St Annes college) for her Junior year and we have USAA cards already, so your advice may be the easiest for us to follow. (I was planning to call all of our credit cards to see what they offered and you saved me a call). Was it hard for her to set up a foriegn bank account? ALso, do you know if the USAA ATM card is free to use in other European countries? Cheers!