For the best exchange rates and lowest fees, you should wait until you arrive in Europe and withdraw cash from a local bank ATM. Buying euros in the U.S. generally results in less favorable rates and additional commissions from banks or currency kiosks. The Best Strategy for Getting Euros

Use a debit card from institutions like Charles Schwab or Capital One , which often reimburse foreign ATM fees or do not charge international transaction fees. Critical Tips to Avoid Overpaying Cash and Currency Tips for Europe by Rick Steves

Use a bank-affiliated ATM once you land in Europe. These typically offer rates closest to the official interbank rate.

Buy a small amount ($100–$150) from your local U.S. bank before leaving. This provides peace of mind for initial expenses like taxis or snacks if airport ATMs have issues. Avoid airport kiosks in the U.S., as they have some of the highest markups.

While it is almost always cheaper to get currency abroad, a hybrid approach is often recommended for convenience and security.