We cruise a lot and when we travel to Europe I [over] estimate what I think I need in various currencies and then order it online from our bank (Wells Fargo). When we get home I go to our local branch and exchange what is left for USD. We generally find that we need much less cash than I estimate but I don't want to have to worry about finding a bank when I need $$$. This is especially true if you cruise and have limited time in each port.
Good luck with your travels!
kathy
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