I have visited quite a few countries in Europe, but never found one where ATM fees are de rigueur. Actually in all my travels ever in the entire world, it was o

I have visited quite a few countries in Europe, but never found one where ATM fees are de rigueur. Actually in all my travels ever in the entire world, it was only the USA where I really couldn’t find a fee-free ATM no matter how hard I looked. Ironically, the only European country where I ever even see some ATMs with fees, at all, is the UK. Monzo has no surcharge over the network fee for foreign currency transactions, so it’s quite good. However, it’s a debit card, and credit cards still win for reliability when renting cars or buying airplane tickets. When it comes to virtual cards: it’s a matter of taste. Personally I don’t care a single iota if my card gets defrauded; issue a chargeback, get a new one, done. Not worth giving up for the convenience of auto fill of C.C. in the browser.