This is what I do. I have a Capital One 360 checking account, opened online and completely fee free. I load up my debit card with cash before I leave for Europe (or any other foreign country I visit) and use it to pull out foreign currency from an ATM once I arrive. I might get 50 euros for about 10 days and typically bring some home (seed money for next time). Have used this card in taxis, shuttles, the Tube (tap in and tap out) and anywhere else I need to buy something. I find it easier not to overspend this way as I always know what my balance is and I don't have to worry about having the correct currency for different countries (such as in Scandinavian countries). For hotels or on a ship I use a credit card but otherwise, it is this card and I love coming home with very minimal debt.