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Is it best to exchange money or use debit card?

Best: Use a debit card at an ATM There are lots of options for converting your money to a foreign currency, but the easiest and most economical one is probably already in your wallet.



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Yes, anywhere Visa is accepted. Visa fees will apply, and it will show on your statement as an international 1% transaction service fee.

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Your bank or credit union, not an airport kiosk, is likely the best place to exchange currency.

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European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

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Most French ATM machines offer instructions in multiple languages including English, and they're easy to use. There's no need to worry about which bank gives the best conversion rate. French banks, by agreement, do not add any withdrawal fees or charges on ATM withdrawals, regardless of the ATM card you use.

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Foreign transaction fees are charged by your bank for currency conversion. If your bank charges foreign transaction fees — and many do — you'll pay a percentage of the total withdrawal amount, usually 1% to 3%, for using your card at a foreign ATM (or anywhere else abroad).

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Chime (USA Only) Chime is a good debit card for international travel thanks to its no foreign transaction fees. Unlike multi-currency accounts like Revolut (which let you hold local currency), Chime uses the live exchange rate applied by VISA.

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