I just wired $2K to BK to cover my new apt (plus some) getting ready for my arrival this weekend, and Chase asked what the money was for. Family Expenses seemed to satisfy them.
Money changing seems to have virtually ended in Europe. I spent just under the 90 day limit in the Schengen zone 2nd half this year, and spent less than 300 in Euros cash. Money changing rates are not reasonable, and ATMs can be a complicated <deleted> shoot and require some trial and error, or friends with experience. Everything, even an espresso, went on the credit cards.