If you have a US-issued ATM card, check with your bank before you go as to whether or not they have an "international currency conversion fee". One of my debit cards, Chase, does. It is 3% of the transaction, whether it is a purchase or ATM withdrawl. For example, if I take my daily maximum ($400) out of an ATM in PV, Chase deducts $3 for using a non-Chase ATM, PLUS 3% of the $400 withdrawl, or $12. That's $15, plus whatever the bank's ATM charges. I have a Credit Union card that charges 1% for the conversion fee and $1 for using the ATM.