we just returned from a Viking River Cruise to Europe, visiting 6 countries and using 3 different types of currency. what we did was open a debit account at citizens bank with an amount of money to use on the trip. when we arrived in the country located a atm box in front of a bank and withdrew the amount we may need for the day. the service charges were small, from .70 cents to $1.25 per transaction. we had the correct currency and obtain smaller amounts, so we didn't have too much foreign currency to exchange or spend away. when we received larger bills, we just bought items to receive change, it worked for us.
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