ATMs are the best way to access money abroad and are increasingly available. Your bank or credit card company may charge fees for withdrawals overseas and may have a limit on the amount you can withdraw daily, so be sure to consult with your bank about this.

For the best rates in 2026, you should withdraw money using a No-Forex-Fee Debit Card at a local bank ATM. Avoid standalone "convenience" ATMs in airports or tourist kiosks (like Euronet), as they often charge exorbitant surcharges and use poor exchange rates. When the ATM asks if you want to be charged in your "home currency" or the "local currency," always choose the local currency. This avoids a trap called "Dynamic Currency Conversion" (DCC), which allows the ATM owner to set a markup of up to 5–10%. Additionally, check if your home bank has a "Global ATM Alliance" partner in your destination, as this can waive international withdrawal fees entirely. In 2026, it is also wise to have a digital-first card like Revolut, Wise, or Schwab linked to your phone's wallet; these often provide a set amount of fee-free international withdrawals per month and use the "mid-market" exchange rate, which is significantly cheaper than traditional big-box banks.