Obtaining local currency abroad as needed is preferable over departing the US with large amounts of cash and carrying it with you during your trip – not only for security reasons but also for cost savings as the exchange rate is typically a lot less through an ATM machine in the local country. ATM’S are widely available throughout Europe and in many other countries unless you are in a remote area. This will require using a debit card, which is convenient but be mindful that consumer fraud liability is different for debit cards than it is for credit cards as they are governed by different federal regulations. Most major US banks offer zero liability to the consumer if they are notified promptly but getting funds reimbursed to a checking account is a hassle while traveling and may not be as timely as you need. You may want to consider opening a separate checking account

designated for travel only so that your exposure is limited to the funds in that account. Bank policies vary so speak to your banker before your next trip.