We literally talked about this!!!!
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always local
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using CCs to pay too, often the machine asks the teller which currency to pull from and you can choose local or foreign and the rates on your card might be drastically different (for my particular card, paying in euro was always best)
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And so called “fee free ATMs” are usually a bad sign. I have a Schwab “investor checking” account that I only use for international cash at the local banks b/c they reimburse all ATM fees!
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