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Old 11-17-2012, 07:34 PM
 
Location: Former LI'er Now Rehoboth Beach, DE
7,786 posts, read 10,456,334 times
Reputation: 7773

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I have a US bank debit card and also credit card. Most of the trip has been prepaid but will need tips and spending $$. I plan to have a few EUROS from my local bank on me when we leave.

I will only have to pay the ATM fee from Germany and nothing else according to my bank here. In other words, my bank will not charge me the conversion fee for the transaction, nor the ATM fee for using a non (my bank) ATM.

That stated, where should I convert additional money? Can I go into any bank or do I need a bank account to exchange the funds? Are some ATM's cheaper than others or is there a flat ATM fee?

Any suggestions gratefully accepted. Thanks in advance.
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Old 11-18-2012, 04:24 AM
 
Location: American Expat
2,189 posts, read 4,701,487 times
Reputation: 1875
Get a Bank of America bank account. They won't charge you anything ( at Deutsche Bank ATM's ).

There is no cheaper alternative. Exchanging money at the bank is not always possible as some might not have the desired amount available, and they will charge much more.

http://en.wikipedia.org/wiki/Global_ATM_Alliance
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Old 11-18-2012, 04:33 AM
 
Location: the dairyland
1,188 posts, read 1,918,529 times
Reputation: 1547
Never go to a bureau de change or to a bank to convert dollars into euros (or vice versa). In most cases it's going to be much more expensive than just withdrawing money from an ATM with your credit or debit card.
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Old 11-18-2012, 07:24 AM
 
15,764 posts, read 9,502,398 times
Reputation: 68300
Thirding here - don't exchange any money before or during - just use your ATM card. Only use ATMs with the green blinky thing actually blinking around the card slot. If it's not lit and blinking then find a different ATM since that 'could' be a false front or other scam.
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Old 11-18-2012, 11:32 AM
 
Location: 59N
5,185 posts, read 5,839,360 times
Reputation: 3966
Yes, watch out for skimming devices.
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Old 11-19-2012, 09:29 AM
 
Location: Former LI'er Now Rehoboth Beach, DE
7,786 posts, read 10,456,334 times
Reputation: 7773
Many thanks to one and all.
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