Originally Posted by
joshwex90
Agree that the cheapest is to withdraw from an ATM. Bank ATMs (as opposed to standalone ATMs) don't charge any fee to use AND give you Visa/MC's rate, more or less.
My experience is confined to Asia, but VISA/MC (with no foreign transaction fees) never give you the London Interbank rate, nor have any ATM debit cards from any US banks that I know of, they usually give 2 % less. In addition, Thailand charges a fee on foreigners using ATMs, resulting in an even worse deal.