No Blame-
I am in Europe now. It will cost $1.08 per Euro at an ATM- based on the two banks I use (Chase, Schwab). That should be the rate for just about any US bank. What is more ATM fees will be refunded by just about any US bank.
A trick is to "decline the conversion rate" - then your bank's rate ($1.08) will apply. This works at ATMs in most European countries, whether or not they are Schengen.
This will not work in Hungary where all machines charge an 18 percent commission. However, by law, shops here have to accept cards. But it is nice to have currency for tips, just be aware it will cost you and I see no way around it, unless your bank will let you buy Hungarian currency (forints) before you travel. Shops here may accept Euros but at a very poor exchange rate (they have to exchange them for forints so that is fair.) - - There may be other countries that work this way. Also, never visit a machine that says EUR if the currency is other than the Euro - they are huge ripoffs. Czech Republic has some "good" machines and some rip-off machines. Best rates are usually at an ATM outside an actual bank.
Can't blame the OP for trying to make a profit. No need to purchase an overpriced item, however.
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