[QUOTE=roberto9My Amex and Visa cards lose 3% but others are reportedly different.[/QUOTE]
Last I checked, AMEX charges 2% fees. I havent looked into their exchange
rate though.

using ATM is the best bet for cash. check online and try to locate ATMs that are
affiliated with your bank. You may not get charged any transaction fees this way.

On one of my Master Card, when I received the notice for the
change in terms for international transaction fees of 3%, I opted out!
I can keep using the card until it expires without paying the
3% fee. Apparently you can do this, but you cant keep the card
beyond its expiration date. (unless you accept the new terms sometime
before expiration) I have it for 2 more years.