Avoid ATM conversion fees
In addition to withdrawal fees, some ATMs charge a conversion fee when you choose to convert to your home currency. This fee is often very high, up to 15% of the amount you withdraw.
If you decline currency conversion at the ATM, your home bank will perform the conversion, usually at a much more favorable rate.
Solution:
When you are withdrawing cash abroad and the ATM offers a choice:
- withdraw in local currency and
- decline (dynamic) currency conversion.
For an even better conversion rate, consider using a 
Wise debit card.