Outside of the US, I've found credit cards and bank that offer no-FX transfer fees are relatively rare - That means that while taking money from an ATM is better than buying at an airport, it will still cost you quite some money if you are a high spender. I'd like to the appropriate FinTech firms in your country which will almost certainly be better value. Revolut and TransferWise are probably two of the best known - Revolut has a slightly shaky reputation, but is currently using investor funding to subsidize spot-rate transfers on your first $200 - $600 ATM withdrawls per month (depending on which service you use).