It varies widely. There is no one consistent answer. ATM's are often good, but watch out for fees from your own bank as well as the ATM you are using. You can get hit both ways, and hit hard on smaller transactions. Usually you get the wholesale interbank rate, one of the best, less 1%. But again watch your own banks charges, as some charge 3%. Some places, you can get great rates from exchange kisoks, but in others their rates are bad. For an exchange kiosk, watch both their rate and whether they charge a commission. Generally airports are a bad place to exchange, as the exchange kiosks there do not give good rates, and often the ATM's there have high fees. I use plastic, if I can to get away from the airport to use either kiosks or ATM's,