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Depending on your US banks and it's foreign ATM fee, you can pay a lot to take out money when you consider that fee, the foreign transaction fee, and the currency conversion fee, and the fee charged by the local ATM. that's just how it is unless you plan it out in advance.
Some US banks won't charge a foreign transaction fee, some won't if you have the right kind of account with a certain balance level. Others might refund any foreign ATM fee.
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