Travel is so much easier now with ATMs. I remember signing dozens of $10 travelers checks for my first trip to Europe in 1969. Things were cheaper then. But with banking comes fees. We got Capital One ATM and credit cards because they had no fees. Then came the conversion scams where when you get cash they offer to convert euros and dollars for you at a convenient exchange rate, only 5% above what you would get from your own bank. They do the same thing with credit cards. Sometimes we catch it and sometimes the person handling it just takes the conversion. This trip they have a new thing which is fees for using the ATM, also common in the USA. It has been a flat five euros but we found one bank that doesn’t charge. But as you see it requires you to agree to the 0,00 fee before it will continue with the transaction. Note that in European numbers the period and comma meanings are reversed. Capital One does the conversion for free and makes its money on the spread between exchange rates: buy euros for 1.20 and sell them for 1.21.